CreditLine card


We’re no longer accepting CreditLine applications. Instead, check out our Gem Visa card that offers the convenience of an everyday card, combined with the flexibility of interest free deals.

Find out more about GemVisa

Already using CreditLine?
Don’t forget these great features.

Interest free deals

Enjoy interest free deals at over 10,000 stores and healthcare providers Australia wide.


Swipe to pay for anything you like (up to your credit limit) wherever CreditLine is accepted. You can also withdraw cash from ATMs and EFTPOS terminals*

Shopper’s Protection insurance

Protect your CreditLine card and purchases with optional insurance cover.

Buy now, pay later

Take advantage of 6, 12 and 24 month interest free promotions.

Got questions? Call the CreditLine team on 1300 131 024, Mon - Fri: 8:30am-7pm, Sat: 9am-5pm, Sun: Closed (AEST)

Interest rates and fees

Interest Rates

% p.a.
interest rate
% p.a.
cash rate


Annual fee$0
Establishment fee$25
Account service fee$4.95
Replacement card fee$0
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 or the balance if less than $25
Late fee $20
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)
$0.95 (online)

Manage your account online

Keep track of your payments

Access your account from anywhere at anytime.

Stay up-to-date

Keep us in the loop with any changes to your personal information.

Never miss a payment

Opt-in to receive email reminders when your payment is due.

Make sure you’re fully covered

Nobody knows what’s coming down the track. And nobody likes it when their purchase goes down in price after they've bought it. Shoppers Protection Insurance will guard you against both.

Got questions? Call the CreditLine team on 1300 131 024, Mon - Fri: 8:30am-7pm, Sat: 9am-5pm, Sun: Closed (AEST)

Frequently Asked Questions

Your credit limit

Managing your account

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Important Information

* Remember that cash withdrawals attract interest from the date of withdrawal/purchase.