各位朋友,
大家如果有Westpac Bank银行帐户开户, 帐户日常维护, 费用咨询,信用卡申请,Home Loan,投资理财(Financial Planning),
房屋和家庭Content Insurance及各类Insurance, Business loan and Business insurance etc等方面的疑问和咨询的话
可以想我发问.
本人愿意为你解答. 也可以加我的MSN解答.
本人现在在]Westpac Bank工作,以上是本人的工作内容,所以也希望利用我自己的知识可以和大家交流.
本人的MSN: [email protected]Westpac Bank
本人的电话: 0403706336
备注:1.我本人PREFER大家先通过MSN和我交流. 当然电话也可以.
2.所提供信息以当日为准Westpac Bank:Credit Card, Home Loan, Investment&financial planning,Insurance
WESTPAC银行的基本帐户(简介):
日常帐户: 只是日常DEPOSIT 和 WITHDRAWL 用的,没有任何利息
WESTPAC CHOICE: UNLIMITED TRANSACTIONS, $5 MONTHLY FEE,IF YOUR BALANCE IS OVER $3000 PER CALENDAR MONTH, $5 WILL BE WAIVED
WESTPAC CHOICE EACCOUNT:UNLIMITED ELECTRONIC TRANSACTIONS, $3 MONTHLY FEE,(TELEPHONE AND INTERNET BANKING ONLY)
BASIC ACCOUNT: FOR PEOPLE WHO RECEIVE THE SOCIAL SECURITY, NO MONTHLY FEE
DEEMING ACCOUNT: FOR PEOPLE WHO IS AGE OVER 55 AND HAVE NSW PENSION CARD
储蓄帐户:主要的目的是挣利息
MAXI-DIRECT: INTERNET BANKING AND TELEPHONE BANKING TRANSACTION ONLY, NO MONTHLY FEE, UNLIMITED ELECTRONICE TRANSACTIONS, FLEXIBILITY OF USING YOUR MONEY, EARN MINIMUM 5.25% INTEREST, INTEREST CACULATED DAILY AND PAID MONTHLY
WESTPAC REWARD SAVER: NO MONTHLY SERVICE FEE, WITH MINIMUM 2.5% INTEREST, BONUS INTEREST IS 4.05%(WHEN ELIGIBLE CRITERIA MET), IF YOU DON'T HAVE ANY WITHDRAW AND AT LEAST 1 DEPOSIT OVER $50 PER CALENDAR MONTH, THEN YOU CAN EARN 2.5%+4.05%=6.55% INTEREST, INTEREST CACULATED DAILY AND PAID MONTHLY (这个帐户很适合那些人为了存多点利息但又不必被限制在一定的时间, 比如定期存款), 这个帐户没取一次都会被CHARGE $2.5
信用卡:
有积分的 ALTITUDE CARD: 一个帐户两张卡,由MASTER CARD 和AMERICAN EXPRESS组成, MASTER CARD $1 积 1 分, AMEX $1 积 2分或者是3 分(只有铂金卡才能享受), 45 天免利息期,
ALTITUDE 铂金卡:
$295 年费, 用这个卡消费, 买机票可以的到免费的TRAVEL INSURANCE, 买电器可以得到免费的一年EXTENDED WARRANTY, SHOP WITH FREE PURCHASE SECURITY,高CREDIT LIMIT
ALTITUDE 黄金卡150 年费
FREE Overseas Travel Insurance
You will receive free comprehensive overseas travel insurance4 for trips of up to three months. That's a potential saving of hundreds of dollars. You, and your immediate family travelling with you, automatically receive:
Unlimited medical expenses cover
Up to $15,000 cover for lost luggage, personal effects or travel documents
Up to $2.5million of personal liability
Rental vehicle collision damage and theft excess cover of up to $5,000
Plus, in the event of your death or defined injury while travelling on public transport (including aeroplanes) anywhere in the world, you are covered by Transport Accident Insurance4 for up to $250,000.
Shop with free Purchase Security Insurance and Extended Warranty Insurance
Your Altitude Card gives you 90 days free Purchase Security Insurance4 against loss, theft or accidental damage for most new items you purchased with your Altitude Gold card in Australia and overseas.
Receive free Extended Warranty Insurance4 of up to one year, in addition to the manufacturer's warranty, on most new domestic appliances purchased with your Altitude card in Australia.
Additional benefits
Priority Service Line
All Altitude Gold cardholders have access to a Priority Service Line. You can call us on 1300 367 228, 24 hours a day, 7 days a week.
ALTITUDE 普通卡:$100 年费, 没有GOLD CARD 和PLATINUM CARD的优惠,就只有积分功能
非积分卡:
黄金卡:$90 年费(第一年免年费), 55 天免利息, 3.99% BALANCE TRANSFER
用GOLD CARD PURCHASE 可以的到 FREE TRAVEL INSURANCE,
As well as all the benefits of a Westpac credit card, you'll enjoy exclusive Gold benefits:
FREE Overseas Travel Insurance2
FREE Purchase Security and Extended Warranty Insurances2
FREE Transport Accident Insurance2
Complimentary Identity Theft Insurance*
A higher credit limit than standard MasterCard or Visa Card
Optional - Credit Card Repayment Protection (帮助减少CREDIT CARD DEBT)
55天免利息卡(STANDARD): $30年费(第一年免年费), 55天免利息, 3.99% BALANCE TRANSFER
LOW RATE MASTER CARD: $45 年费,55天免利息,3.99% BALANCE TRANS
EARTH+ CARD:
The extra useful bits. On Earth+.
You'll get useful stuff like:
Overseas Family Travel Insurance - save up to $700 a year when you pay for your holiday on Earth+
Save on international cash advance fees - the usual 1.5% fee charged by Westpac^ doesn’t apply on Earth+
Save on foreign currency transaction charges - no 1.5% Westpac^ fee here either
Some of the lowest rates. On Earth+.
Pay just 15.49%pa on purchases
Up to 55 days interest free on purchases~
Just 5.99%pa on certain Qantas products and services like flights and holidays
A tiny 0.99%pa for 6 months on balance transfers*
Plus pay a low annual fee of just $79.
Qantas Frequent Flyer points. On Earth+.
Earth+ gives you:
1 point for $1 you spend on your Earth American Express® Card - which gives you maximum points
0.5 point for every $1 you spend on your Earth MasterCard® card - accepted at over 25 million locations worldwide
An extra point for every $1 you spend on certain Qantas services
Free Qantas Frequent Flyer membership, saving you $82.50 on the joining fee
- but only for a limited time
家庭和CONTENT INSURANCE具体要看了,这个是BIG SUBJECT )
HOME LOAN:
STRAIGHT 0.7% OFF ON STANDARD RATE 8.32%
ROCKY HOME LOAN PACKAGE, 对冲帐户, 免年费的CREDIT CARD,等(具体要看情况),bu
[ 本帖最后由 newaussie 于 2008-3-9 12:11 编辑 ]
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哈哈，lz 去westpac拉, 顶你, :)
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是的呀，呵呵，谢谢你了。 看来我走到哪里都逃不过你大哥的火眼金睛呀。
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有时一位好同志啊。还是悉尼的！
这下好了。建议LZ留个电话号码，这样大家也可以找你做些贷款这类的生意。
[ 本帖最后由 黑山老妖 于 2007-9-29 17:01 编辑 ]
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顶下，，楼主要坚持多组织活动
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谢谢这位大哥的建议,同时谢谢你的加分(物轻情义重).
电话留了.
[ 本帖最后由 newaussie 于 2007-9-29 17:41 编辑 ]
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请教现在westpac的max i account的利率是多少？
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Glad to see you mate!
Ding!
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这个还算容易，顺手帮楼主答了。再难一点的，可能我就不知道了
>000 5.25% pa
$5001 < $10,000 5.25% pa
$10,000 < $20,000 5.25% pa
$20,000 < $50,000 5.95% pa
$50,000 < $100,000 6.05% pa
$100,000 < $500,000 6.25% pa
$250,000 < $500,000 6.25% pa
$500,000+ 6.25% pa
[ 本帖最后由 patricb 于 2007-10-2 15:06 编辑 ]
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已经MSN加LZ了, 正好有些问题请教, 不必麻烦远在Mel的patricb了, 呵呵.
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呵呵,谢谢,如果有问题可以和我在MSN上聊.
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谢谢你帮顶. 你也是在WESTPAC 工作.
GLAD TO SEE YOU TOO.
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想问一下，WESTPAC的信用卡可以用本行的其他卡设定自动转账吗？
具体怎么操作？
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很简单呀,你可以到任何一家WESTPAC BRANCH拿个叫AUTOPAY的FORM(专门给你的信用卡自动转帐的), 填好后交给银行的STAFF让他们寄给CARD CENTER. 以后你就不用自己去管了,只要你的NOMINATED ACCOUNT上有足够的钱就会自动转帐了.
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我想请问，casual的工作能申请到信用卡吗？谢谢
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要申请CREDIT CARD要满足两个基本条件:
1.年收入要在 15K以上,
2.必须是PR 或者 CITIZEN
如果想具体详谈可以加我MSN.
谢谢
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请问LZ，如果是WBC的股东，想在WBC贷款，有什么优惠吗？多谢
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加我MSN聊.谢谢.
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谢谢回答！
还想知道自动转账设定好之后，什么时候转？还会照常寄statement吗？是在转账前还是在转账后寄？
谢谢！
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patricb推荐了你,我也加你了
可是你什么时候在线呢,比较性急.
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我是不是已经和你约好了明天到我的银行面谈那位朋友???
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自动转帐是指每个月自动还款,你也可以指定还多少钱,不过最少要还MINIMUM REPAYMENT, MINIMUM REPAYMENT会在每个月的STATEMENT上显示. 一般来说MINIMUM REPAYEMENT 是你当月PURCHASE 和CASH ADVANCE的总和的 2%, 比如 你的总和是 $2000元,那你的MINIMUM REPAYMENT 就是 $2000*2%=$40元.
STATEMENT 还会照常给你寄. 每月STATEMENT ISSUE之后大概5个WORKING DAYS就会寄到你的POSTAL ADDRESS.
STATEMENT 转帐前还是后要具体看你当时是怎么申请AUTOPAY的. 我建议你如果没有INTERNET BANKING ACCESS的话你可以申请INTERNET BANKING ACCESS这样的话你就可以每天看到你的CREDIT CARD的TRANSACTION DETAIL了.随时监控.
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谢谢，谢谢！回答得非常详细！
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貌似第一个条件加上固定住所就可以了.
第二的条件我没有满足.不过还是被准了2张信用卡.
WESTBANK的审查条件严些吗?
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怎么说呢, 我不知道你的两张CREDIT CARD是哪个银行或者金融机构的. 反正WESTPAC BANK在PR或者是CITIZEN身份的方面没有查得很严格,因为一般情况我们在APPLICATION FORM上会问你是不是PR 或者CITIZEN, 如果你说你是我们也不会去反驳你. 当然INCOME 也很重要.
总的来说,一般的小的FINANCIAL INSTITUTION会批的比较松因为这也是他们的生存之道. 想想美国的次贷款危机就是个很好的例子.
最后我要提醒大家的是如果你不是PR或者是CITIZEN然后你填了是的话, 从而批准了CREDIT CARD, 如果万一有什么意外发生的话你是PERSONAL LIABLE的.
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飘过~~~~顶一下
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请问，我申请了westpac credit card.并做了balance transfer，现在我不记得当时设没设link account自动还款了。要是link了，westpac会不会在第一个月就把我所有的balance给还掉了呀？我这个是０ interest for 6 months。我不想一下还完，怎么样才能查是否选择了link account，并且是什么样的扣款方式呢？
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0% BALANCE TRANSFER是指你的其他银行的CREDIT CARD DEBT可以转到你现在申请的CREDIT CARD 上, 不能100%确保你所有的BALANCE都可以TRANSFER的,比如你申请的CREDIT LIMIT 是 5000,而你的BALANCE TRANSFER 是 7000,那你的7000就不可能完全TRANSFER,还有就算你的BALANCE是5000,你的CREDIT LIMIT是 5000 你也不可能保证 100% TRANSFER(通常会大概是 95%). 还有,如果你的CREDIT LIMIT TRANSFER 了 4000元,而你的CREDIT LIMIT 是 5000,那你以后就只有 1000的LIMIT可用.
还有,你的BALANCE TRANSFER是你拿到你的CARD后开始消费就会自动TRANSFER.
LINK ACCOUNT椐我所知不是你说的自动还款的意思,只是你用CREDIT CARD可以到ATM或者是EFTPOS机上查看或者使用你的 WESTPAC的帐户的资金.
自动还款你要填个CARD AUTOPAY的表.具体请看. 14楼.
附:
申请 Card Autopay call Westpac Card Services on 1300 651 089 or complete the form below and send it to:
Card Autopay
IBN 46 CW
GPO BOX 3433
Sydney NSW 2001
Australia
or fax it to (02) 9767 0769.
[ 本帖最后由 newaussie 于 2007-10-11 22:40 编辑 ]
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哦，好像明白了一点了。印象中没有填过那个autopay，但当时是一片混乱，填了不少表，所以也不是100%确定了，这种autopay的设定在哪里可以查到呢？
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你可以到任何一个WESTPAC BRANCH 或者直接打Westpac Card Services on 1300 651 089 咨询.
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