The Singapore Airlines Westpac credit cards

1. The earning of KrisFlyer miles through the use of Singapore Airlines Westpac Platinum and Singapore Airlines Westpac Gold Cards as applicable and the transfer of miles to your KrisFlyer membership account are subject to the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use (PDF 468KB), or the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 478KB). Miles are earned on eligible purchases only and are not earned on cash advances. Miles are not earned or transferred in certain circumstances – refer to your Cards' Conditions of Use for more details. You must be a member of the KrisFlyer programme to earn and redeem miles in accordance with the Terms and Conditions of the KrisFlyer programme. For more information on the KrisFlyer programme, visit krisflyer.com Refer to singaporeair.com for terms and conditions that apply to redeeming your miles for selected award tickets and flights.

2. Miles are earned on purchases only. Miles are not earned on cash advances. Spend can be in Australian dollars or in a foreign currency. If purchase is in a foreign currency, miles earned are calculated on the converted Australian dollar amount.

3. Annual fee is subject to change.

4. The interest-free period applies on credit purchases only, where the closing balance (including any balance transfer amount or any other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.

5. This promotional rate is available at point of card application and applies to balances transferred from non-Westpac credit card(s), charge card(s) or store card(s). Each balance transfer must be a minimum of $200. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 19.24% p.a. and variable) and will be treated as purchases with no interest-free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit card(s), charge card(s) or store card(s) under this promotion, before they are applied to any other cash advance or purchase amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest-free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account.

6. Receipt of voucher is subject to the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use (PDF 478KB), or the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 468KB) as applicable. The voucher (25,000 miles for Platinum Cards, 15,000 miles for Gold Cards) is only available for one-time use for one ticket or upgrade on Singapore Airlines for either the Principal cardmember or their KrisFlyer redemption nominee. The 50% discount is only applicable to the KrisFlyer miles required for the redemption of the award ticket or upgrade. The 50% discount is not applicable to miles used to pay for KrisFlyer service fees or to fees, taxes and surcharges chargeable for the flight. Offer is considered redeemed even if less than 25,000 KrisFlyer miles (for Platinum card) and 15,000 KrisFlyer miles (for Gold card) are used. Excess KrisFlyer miles will not be credited to the Principal cardmember's KrisFlyer account. Upgrade redemption award can be utilised on a commercial flight (in upgradeable class) purchased by Principal cardholder for travel on Singapore Airlines operated flights only. The voucher must be redeemed within 6 months of it being generated. Offer is subject to seat availability and cannot be combined with any other discounts or promotions. Offer is to be used in conjunction with KrisFlyer miles in cardholder's account. KrisFlyer terms and conditions apply. Westpac and Singapore Airlines reserve the right to change the terms and conditions at any time without prior notice. Singapore Airlines reserves the right to review and revise the card benefits at any time without prior notice.

7. Singapore Airlines Westpac Platinum Credit Cards Concierge Service Terms and Conditions (PDF 670KB) apply.

8. Insurance cover is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 to Westpac Banking Corporation under separate Master Policies. Zurich is liable for separate risks insured under the terms of each of each policy. The benefits of the insurance from Zurich are extended to Westpac's cardholders (as third party beneficiaries) as complimentary benefits. This cover is automatically available, however the cardholder is under no obligation to accept the benefits of the cover and cover is subject to the terms and conditions and exclusions of the policy. For the benefit of the various insurance covers to extend to the cardholder, the cardholder must become eligible for the insurance as outlined in the relevant policy. For example, in the case of Overseas Travel Insurance the return tickets (but not taxes or airport or travel agent charges) must have been purchased using your card in accordance with the policy. This cover is available to you, your spouse, your parents and children for specified events. In the case of the Purchase Security and Extended Warranty Insurances the particular new item must have been purchased using the credit card. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 661 324 or downloading the Singapore Airlines Westpac Platinum Credit Card Insurance Policy (PDF 335KB) or the Singapore Airlines Westpac Gold Credit Card Insurance Policy (PDF 328KB).

9. One set of additional cards can be issued on the primary cardholder's credit card account to any nominated person over the age of 16 years. All transactions using an additional card will be the responsibility of the primary cardholder. As at 7 May 2009 additional cards do not incur annual fees. This is subject to change.