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WCC0076B Ignite Brochure V2.1.indd 1your guideto your newIgnite Card5/1/09 12:25:09 PM
ignitingpossibilitiesYour new Ignite MasterCard is on theway, so it’s time to get ready to makethe most of it.Soon, you’ll have a card with a freshnew design, a low interest rate ofonly 12.99% p.a.1 on purchases andthe same great value you’re used to– like no annual fee1 ever. Plus extrafeatures you really need in today’sworld, like added security.This brochure highlights someimportant dates you need to beaware of.WCC0076B Ignite Brochure V2.1.indd 2-3contents45Ignite Card featuresAdded value withInstant Offers6Services and importantdates to remember10 Extra card security11Managing your account16Contact us5/1/09 12:25:13 PM
Ignite Card featuresAdded value with Instant OffersAs a Virgin Credit Card holder you obviously understand value.Which is why you’ll be pleased to know that your Ignite Card willoffer you even more.More to enjoy, right nowOur new Instant Offers program provides you with instant savings,discounts, benefits and added extras when you use your IgniteCard with a range of retailers. Whether you want to take a familyvacation, stock up with wine for your next dinner party, see thelatest blockbusters or buy someone a special gift, you’re likelyto find a bargain from brands you know and love. There are noadditional membership fees – simply shop with your Ignite Cardand enjoy the savings when you make your purchase.Your card features: NO annual fee ever1! A low 12.99% p.a.1 interest rate on purchasesPlus even more from 9th February 2009: N ew Instant Offers program – for the added value ofawesome everyday savings (replacing Mates RatesTMInstant Rewards) Added security features – to help protect you againstunauthorised transactionsOf course, you still get the great benefits you’re used to, like: Up to 55 interest-free days on purchases2 The same credit card number (so there’s no need tochange direct debits) Help any time from the same friendly customer serviceteam on 1800 080 000Plenty to choose fromSelect from a wide variety of special discounts, deals and addedvalue across categories like: Travel Entertainment Experience Shopping and Lifestyle.Look forward to new offer updatesTo ensure you know about the latest savings all year round,you’ll be kept up to date with a regular stream of new offers.From 9 February 2009 you can visit westpacinstantoffers.com.auand start enjoying the benefits.4WCC0076B Ignite Brochure V2.1.indd 4-555/1/09 12:25:17 PM
All the great services you will haveaccess to from 9 February 2009Since the launch of the Virgin Credit Card, Westpac has been theprovider of your Online and Telephone Banking services, and we’llcontinue to provide these services for your new Ignite Card. Thereare just a couple of minor changes to the way you access theseservices, which will come into effect from 9 February 2009.summary ofkey datesOnline Banking – secure, easy accessYou can manage your Ignite Card online via westpac.com.auThis site continues to give you all the functionality of the VirginCredit Card website, with added features that make managing youraccount even easier, such as the ability to apply for a credit limitincrease online.You will now be able to access both your Ignite account and anyother eligible Westpac account(s) you may have, in the one place,via Westpac Online Banking.Online Banking will also enable you to make instant transfers toand from your Ignite account and other valid Westpac accounts,and set up periodic payments to your Ignite account from aneligible Westpac transaction account.And all with NO transfer fees.Until Friday 6 February 2009, continue to access youronline account through virgincreditcard.com.auOver the weekend of 7–8 February 2009, yourTelephone and Online Banking may be temporarilyunavailable whilst we update the systems. If youneed to contact us within this time, or need to accessyour account through these services, call us on1800 080 000.You can also use Online Banking to: Manage your account and view your transactions, includingprevious Virgin Credit Card transactions Continue to pay bills by BPay Print your previous statements at no extra cost.And you can do all this 24 hours a day. To register or for moreinformation, call 1800 080 000.From 8am on Monday 9 February 2009, you will beable to access Online Banking via westpac.com.auusing your 8-digit Customer ID and password.6WCC0076B Ignite Brochure V2.1.indd 6-775/1/09 12:25:17 PM
Telephone Banking – available 24/7With Telephone Banking, you can manage your accountsfrom wherever you are, 24/7. Check your account balanceand recent transactions, transfer funds between your Ignite andlinked Westpac accounts, pay your bills with BPay , or requesta statement any time you like. All you have to do is call1800 080 000, then use your customer number and 3-digitaccess code to log in. You will then be able to access both yourIgnite and eligible Westpac account(s).If you don’t remember your 3-digit access code you can set upa new one through Telephone Banking, although you will need toanswer some identification questions first. To register for TelephoneBanking or for more information, call 1800 080 000.Monthly credit card statements and account servicing lettersAs you can probably imagine, the switch from the Virgin CreditCard to Ignite requires a lot of changes to our administrativesystems.Due to this changeover, from 9 February you will beginto receive regular credit card communications, including yourmonthly credit card statement, from Ignite/Westpac.At the same time, during February 2009 you may continue toreceive Virgin Credit Card branded account servicing letters that werealready on their way to you.Everything you receive from March 2009 will be from Ignite/Westpac.To keep things simple, your statement/due date willremain unchanged.If you previously asked us for online statements, we will doour best to maintain this preference. If for some reason youreceive a paper statement, and you’d like to switch back toonline statements, you can do so quickly and easily throughOnline Banking at westpac.com.au – just go to the ‘Manage yourAccounts’ tab, and select the ‘Change statement options’ button.8WCC0076B Ignite Brochure V2.1.indd 8-995/1/09 12:25:22 PM
Extra card securityManaging your accountTo help protect you and reduce incidents of fraud, your Ignite Cardcomes with the latest in card security. The world-class securityfeatures of CardShield guard you against fraud with:Making payments to your Ignite accountWhether you like to plan ahead or take each day as it comes,there’s a payment option to suit your needs and lifestyle. Online Transaction Security Guarantee: you won’t be liablefor any loss resulting from any internet transaction madeusing your Ignite Card without your knowledge or consent,as long as we are notified of that transaction before the duedate shown on your credit card account statement.Telephone or Online Banking 24/7 Falcon fraud protection: this monitors everytransaction for irregular activity. If a suspicious transaction isdetected, one of Westpac’s fraud specialists will contact you tocheck if the transaction was genuinely made by you, and if notwe may be able to reverse the transaction. The added protection of Chip technology: fast becoming aglobal standard, Chip credit cards store important informationon an embedded microchip, bringing you the latest in creditcard security.Transfer funds instantly from other Westpac accounts.ATMsMake payments while you’re out and about. Transfer funds from alinked Westpac Account via any Westpac ATM.BPAY You can make BPay payments to your Ignite account throughTelephone or Online Banking. Use your Ignite Card number as yourcustomer reference number. The BPay code of 172015 stays the same The BPay description changes to ‘Ignite by Westpac’Card AutopayGot better things to do with your time than pay credit card bills?With Autopay you can make automatic payments from otheraccounts directly to your Ignite Card – at no additional cost.Setting up Autopay is easy, and you can make changes any time.Simply download the form online from westpac.com.au/igniteor call us on 1800 080 000 and we’ll send you out a form tofill in and return.Payments by mailPost your statement slip and cheque to Cards, GPO Box 4220,Sydney NSW 2001.Make sure you post it in time to reach your account before thedue date!Making life easier with direct debits If you have existing direct debits on your Virgin Credit Card,these will continue on your Ignite Card as your credit cardnumber is the same – so you don’t have to do anything If you want to set up direct debits on your Ignite Card, simplycall your service provider, give them your credit card number,expiry date and verification code (the last 3 digits on thereverse of your card), and choose your date and amount forthe payment – it’s as simple as that!10WCC0076B Ignite Brochure V2.1.indd 10-11115/1/09 12:25:32 PM
Using your PIN with your Ignite CardWhen you make a purchase at participating shops in Australia youcan either sign or enter your Personal Identification Number (PIN)to accept the transaction. With your PIN , you have an alternativeway to authorise transactions. Of course you can continue to signas you’ve always done.The extra convenience of ‘one card banking’Do you already have a transaction account with Westpac? Forease and convenience, from 9 February you will be able to link itto your Ignite Card, and then access it simply by pressing ‘cheque’or ‘savings’ when using your Ignite Card. To link your Westpactransaction account to your Ignite Card, call us on 1800 080 000.Know your PIN if you’re travelling overseasAdding additional cardholders3 – at no extra costSet up an additional cardholder on your Ignite Card at no extracost – and share the benefits with someone special. But remember,they have to be over the age of 16. The additional card will belinked to the same account, so you’ll also share the same creditlimit. To apply online, or to download an application form, visitwestpac.com.au/ignite You will also be able to request anadditional cardholder through your Online Banking account using the‘Add another cardholder’ option in the ‘Manage Your Accounts’ tab.Some countries now require a PIN for credit card purchases,so we strongly recommend you memorise your PIN if you aretravelling overseas.Increase or decrease your credit limit4You need a credit limit that gives you room to move, and alsosuits your income level.In case you ever forget your PIN, or need a new one, just call us on1800 080 000 and we’ll send one out to you.Any time you want to apply for a credit limit increase or decreaseon your Ignite Card, simply visit westpac.com.au/ignite or call uson 1800 080 000. You will also be able to apply for a credit limitincrease through Online Banking using the ‘Increase credit limit’option in the ‘Manage Your Accounts’ tab (please note, there is nooption to decrease your credit limit through Online Banking, so youwill have to call us if you wish to decrease your credit limit).The freedom to withdraw cash with your PINYou can use your Ignite Card to get cash from ATMs worldwide byentering your PIN.Credit Card Repayment Protection5If you have Virgin Credit Card Payment Cover, it will continue toapply to your Ignite account – only it will be called ‘Credit CardRepayment Protection’ from 9 February.This optional insurance helps cover your Ignite Card payments incase you get sick or injured and can’t work. For more informationcall 1300 369 989 or visit westpac.com.au12WCC0076B Ignite Brochure V2.1.indd 12-13135/1/09 12:25:36 PM
Other useful information we might send youFrom time to time, we’d like to let you know about other bankingproducts that we feel would be of interest to you, or may helpsecure your financial future.remember,your new IgniteCard offers thebenefits youexpect, plusmore If Virgin Money or Westpac (if you have existing Westpacaccounts) previously kept you in the loop on updates tobanking products or special offers, both Virgin Money andWestpac will continue to do so.If you want to change your communication preferences (forexample, to request email communications to save paper or to optout of receiving special offers), please call us on 1800 080 000, orwrite to us at GPO Box 3433, Sydney, NSW 2001. no annual fee. ever LOWER 12.99% p.a. interest rate11on purchases new Instant Offers andCHIP security same credit card number no changes to your paymentmethods or credit limit14WCC0076B Ignite Brochure V2.1.indd 14-15155/1/09 12:25:41 PM
Contact usThe same friendly team is ready to help anytime, wheneveryou need it. Simply call 1800 080 000 toll-free from anywherein Australia, or reverse charges to 61 3 6345 1419 fromanywhere overseas.For more details and FAQs visit westpac.com.au/igniteThings you should know:Information in this brochure is current as at 5 January 2009. Terms and conditions available on request. Thesemay be varied, or new terms and conditions introduced in the future. For more information, call us on 1800080 000, drop in at a branch or visit westpac.com.au An Ignite Credit Card may not be sent to you if youare in breach of your Terms and Conditions. 1. There is no annual fee, however other fees and charges apply.Interest rates and fees and charges, other than the annual fee, are subject to change. The current variableinterest rate on purchases is 12.99% p.a. and the current variable cash advance rate is 17.74% p.a. 2. If youhave a balance transfer and do not pay the closing balance (including the balance transfer amount or anyother promotion) by the statement due date each month, you will not get the benefit of the interest-freeperiod on purchases. Interest on cash advances is calculated from the date the transaction is debited toyour card account. 3. An additional card can be issued to anyone you nominate, provided they are over theage of 16 years. 4. Credit card applications and credit limit increase applications are subject to the Bank’snormal lending criteria. 5. Credit Card Repayment Protection is issued by Westpac General Insurance LimitedABN 99 003 719 319 (WGIL) and Westpac Life. Insurance Services Limited ABN 31 003 149 157 (WLIS)each of which is liable for separate risks under the terms of the policy. This insurance product is distributedby Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is optional and is subject toconditions, limits and exclusions on cover, which are explained in the policy wording. The policy is notan investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policydistributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or thisinformation. The Bank does not guarantee payments under the policy. The information in this brochure isfactual only. It does not constitute financial product advice. Before acting on this information you shouldseek independent financial and taxation advice to determine its appropriateness to your objectives, financialsituation and needs. You can obtain a copy of the Product Disclosure Statement including Policy Wording(PDS) by calling 1300 369 989 or visiting westpac.com.au You should consider the PDS before making anydecision in relation to Credit Card Repayment Protection. MasterCard and the MasterCard Brand Mark areregistered trademarks of MasterCard International Incorporated. Bpay is a registered trademark of Bpay PtyLtd, ABN 69 079 187 518. Westpac Banking Corporation, ABN 33 007 457 141, AFSL 233714.ICC200 (12/08) WCC0076BWCC0076B Ignite Brochure V2.1.indd 165/1/09 12:25:41 PM
for any loss resulting from any internet transaction made using your Ignite Card without your knowledge or consent, as long as we are notified of that transaction before the due date shown on your credit card account statement. 24/7 Falcon fraud protection: this monitors every transaction for irregular activity.
