It has to be said…

This card is a VAST improvement on the standard Westpac 55 Day credit card. That’s all there is to it.

As a premium credit card, the Westpac 55 Day Gold credit card has the obvious benefits that are just not included on the standard 55 day card.

This includes a variety of insurances, such as purchase protection (3 months), extended warranty on purchases (up to one year), transport accident insurance (up to $250,000) and international travel insurance with cover for unlimited medical expenses, rental car damage ($5,000), lost items ($15,000), and $2.5 million in personal liability cover.

With a purchase rate p.a. (the same as the standard 55 Day credit card), the Gold card’s interest rate is third equal in terms of interest (with two other Westpac cards) of all the Gold credit card’s we’ve covered. It also has an annual fee which we are pleased to say is pretty low for a credit card with these kind of benefits.

This fee is waived in the first year, and every year after in which you spend over $15,000 on your credit card. Balance transfers accrue interest p.a. for the first six months which then increases to the cash advance interest rate p.a., and of course, it comes with 55 days interest free.

Another added bonus is that the credit limit that you’ll receive on this card will be higher than standard Visa or MasterCard credit cards. After seeing the standard 55 Day credit fall so far short of even an ok credit card, it was good to see that the Westpac 55 Day Gold credit card has picked up the slack with a good interest rate, excellent features and benefits and all for a reasonable annual fee.

See our top credit card picks in the Editor’s Choice category

Westpac’s Earth Gold credit card gives it’s platinum counterpart a real run for its money , with nearly all the benefits of the platinum card at just half the price.

With an annual fee, this airline rewards credit card gives you all the benefits that seem to be missing from the standard Earth credit card. These include complimentary international travel insurance, extended warranty insurance and of course, purchase protection insurance.

The overseas travel insurance is a great addition to the Earth Gold credit card. When flights are purchased using this card it covers both the cardholder and their immediate family on international trips of up to three months.

Points are earned at the same rate on this card as the standard card, with 1 point for every dollar using the American Express and 0.5 points with the MasterCard. Interest rates are also the same p.a. for purchases and p.a. for cash advances, and p.a. on balance transfers for the first 6 months with up to 45 days interest free on purchases.

This is the main downfall of this card in comparison to the Westpac Earth platinum credit card, as the spend amount required is much higher due to the lower frequent flyer points earning rate.

Other similarities include p.a. interest on balance transfers and an extra frequent flyer point for every dollar spent on selected Qantas products purchased using either of the Earth Gold Cards. Obviously you would need to be travelling to get any benefits from this card, however if you are then this would be one of the best frequent flyer credit card options on offer from Westpac.

See our top credit card picks in the Editor’s Choice category

Like the Earth range of travel credit cards offered by Westpac, the Singapore Airlines range comes with two credit cards to maximize your points-earning potential – an American Express card and…wait for it…a Visa credit card (you thought it was going to be a MasterCard didn’t you?)

However, rather than earning rewards points with Qantas, your points are (obviously) with Singapore Airlines. KrisFlyer miles (Singapore Airlines’ frequent flyer points) are earned at a rate of 1 mile per dollar spent on the American Express and 0.5 miles per dollar spent on the Visa. You can also earn the same amount of bonus miles on top of the standard miles when you book Singapore Airlines flights with your Singapore Airlines Gold credit card.

There are a number of benefits available with the Gold card, including a one year extended warranty and three months purchase protection. International travel insurance is also included for trips of up to three months long and claims of up to $250,000.

Being a premium card linked to Singapore Airline benefits, you’ll also have access to Gold offers from partners of Singapore Airlines such as Accor Resorts & Hotels and Avis Rental companies which will definitely come in handy while you travel. Many of the features found on the Gold card can also be found on the Platinum card. And while their value is halved on the Gold card, so too is the price so it still bodes well as a mid-range travel credit card.

The interest free period on this card (unfortunately) is relatively low at up to 45 days, with a variable interest rate p.a. for purchases and p.a. for cash advances. Balance transfers are available at a low rate p.a. for the first 6 months.

While the interest rates for purchases and cash advances aren’t the lowest, for a rewards card with great international travel benefits and points earning potential the Westpac Singapore Airlines Gold credit card is good value for money. Possible even a better option than the Platinum card, unless of course you regularly spend large amounts of money on your credit card and want to capitalize on that.

See our top credit card picks in the Editor’s Choice category