Is CreditLine right for you?
Streamlined rates and fees
Our rates are easy to understand.
You only pay a monthly account keeping fee. No annual or establishment fees apply.
Safe and secure
Our fraud protection promise to you
Your CreditLine card is protected by robust security measures – both when you shop in-store and online – so you can spend safe in the knowledge that we’ve always got your back.
Stopping fraud in its tracks
As soon as a suspect transaction is detected, our card security experts get to work immediately reviewing any suspicious activity while taking necessary action.
Money back guarantee
If there is fraudulent activity on your CreditLine card, you will not be held liable – provided you notify us promptly, have not contributed to the loss and have stuck to the Conditions of Use.
Take advantage of 0% interest at Apple. You need to make a minimum monthly payment each month but you have the flexibility to make extra payments at anytime.
Interest rates and fees
|Monthly account keeping fee||$4.95|
|Paper statements||$2.50 per statement|
|Cash advance fee||$5 for over the counter cash withdrawals at Westpac only|
|Direct credit advance fee||$3 or 3% of the credit advance, whichever is greater. You’ll never pay more than $30|
|Minimum payment||$25 or 3% of the balance, if less than $25|
|ATM cash advance or withdrawal fee||$3 or 3% of the cash advance, whichever is greater|
|EFTPOS withdrawal fee||85c|
|Giropost withdrawal fee||85c|
|Westpac over the counter fee||$1.85|
|Payment handling fee||$2.50 (in person)
3 steps to enjoying your ownCreditLine
Check your eligibility as shown below, and complete your application in less than 10 minutes.
Get your approval
We will give you a response on your application in under 60 seconds.
Get your card
If approved, you’ll be able to shop with your account number straight away. You do not need to wait for your card to arrive.
To be eligible, you must be:
- At least 18 years of age
- A permanent resident of Australia
And make sure you provide the following:
- Driver’s licence, passport or proof of age card
- Details of your income, assets and liabilities
- Your employer's name and contact number
Frequently Asked Questions
Application and activation
Your credit limit
Shopping at Apple
Managing your account
1 Extended Interest Free terms may vary. Available at Apple Retail Stores & the Apple Online Store. Online purchases must be made via Apple Telesales on 133 622. Approved applicants only. Conditions, fees and charges apply.
2 The same rate applies to interest bearing balances such as cash advances and outstanding retail purchases balances after an interest free promotion period is over.