Ignite Credit Card: Westpac Ignite Credit Card

A zero annual fee and numerous shopping discounts are some of the perks of getting a Westpac Ignite Credit Card.

Learn how the original Virgin Credit Card became the Westpac Ignite credit card. Find out how it has maintained the Virgin principles of no annual fee and low interest rate.

The Ignite credit card appeared in February 2009 and is no longer available for new applications. It was actually the card that the Virgin Credit Card morphed into following its demise a year earlier when Westpac’s card issuer contract with Virgin expired and Westpac kept its customer portfolio. You may be interested in similar low interest rate credit cards and $0 Annual Fee credit cards. Alternatively, you may be interested in comparing the latest Westpac Credit Cards available for application.

Keeping up the Virgin example, the Westpac Ignite credit card does not carry an annual fee, and that’s guaranteed for life. This is therefore an excellent credit card for anyone who only needs to carry a card for occasional use, thus resents paying an annual fee. However, it does not have to be restricted to occasional use on the grounds of a high interest rate, which is the normal downside of no annual fee credit cards.

There are no balance transfer deals or other introductory offers available on the Westpac Ignite, but this is not unusual on a “no-frills” credit card like this. The whole concept is to give customers exactly what they need from their plastic, and not confuse matters with extra features they don’t want and to dilute the features that really do matter.

If you’re looking to keep your credit cards expenses to a minimum, then the Westpac Ignite credit card may suit you very well.

Key features of the Westpac Ignite Credit Card

• No annual fee for life
• Low 13.74% p.a. interest rate on purchases
• 18.49% p.a. interest rate on cash advances
• Up to 55 days interest-free on purchases
• Instant Offers program

The Instant Offers program with the Westpac Ignite includes the following:

Premium Wines Direct – 15% discount on all your wine purchases at Premium Wines Direct.

Borders – 10% discount on all online book purchases at Borders.

RedBalloon – $30 discount on gifts over $129 with RedBalloon, which is Australia’s leading online supplier of experience gifts, such as hot air ballooning and V8 race car driving.

Rebel Sport – 5% discount on all merchandise from this leading retailer of sporting and leisure equipment, clothing and footwear.

Cinema tickets – Discounts at Village, Greater Union, Birch Carrol and Coyle, and Event Cinemas when you pre-purchase tickets online.

Theme parks – 15% off tickets to Warner Village Theme Parks, Dreamworld and WhiteWater World, Australia Zoo, Sydney Wildlife World, Sydney Aquarium and Sydney Tower.

Image source: Westpac-logo

Check out today's featured offers:

Westpac Low Rate	Citibank Clear Platinum	Qantas AMEX Discovery	ANZ Platinum
0% p.a. for 6 months on purchases & balance transfers	2.9% p.a. for 12 months on balance transfers	$0 annual fee Up to 10,000 Bonus QFF Points	0% p.a. for 6 months on purchases & balance transfers

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Popular Credit Card Offers

			Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
	Westpac Low Rate Card - 0% Offer	A credit card with a low rate offer on both balance transfers and purchases, plus a low annual fee.	0% for 6 months (reverts to 13.49% )	0% for 6 months	$45	21.49%
	Citibank Clear Platinum Card	Competitive interest rate on purchases and balance transfers offer.	11.99%	2.9% for 12 months	$99	21.74%
	St George Vertigo	Take advantage of this great offer from St.George with a low rate on purchases and a low balance transfer offer.	13.24%	0.99% for 12 months	$55	21.49%
	ANZ Platinum Credit Card	An introductory interest rate offer on balance transfers and purchases, plus a $0 first year annual fee.	0% for 6 months (reverts to 19.24% )	0% for 6 months	$0 annual fee for the first year( $87 thereafter)	20.99%