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This promotional rate applies to balances (min $200) transferred from non Westpac credit, charge or store cards, requested at card application. A balance transfer fee of 1% of the transferred balance(s) will be charged to the card account on the same day these balance(s) are debited to the account. The standard variable interest rate (with no balance transfer fee) applies to balance transfers made at any other time and to promotional amounts unpaid after 6 months. Your card's conditions of use explain how payments you make are applied to these. Interest free days don't apply to balance transfers. Up to 55 interest free days on purchases don't apply to your account until the full balance (including any special purchase or balance transfer promotional amount) is paid by the statement due date.