What is Ignite credit card?
Ignite credit card allows you to access services without worrying the credit’s facilities. Ignite credit card doesn’t need you to pay annual fee. Instead, the card gives you online banking services with APR 14.49% purchase and APR of 19.59% for cash advance. Another benefit is that within your 55 days opening the account, you can make free interest for any purchase using Ignite credit card. As it is free from annual fee, it is great for occasional usage.
The idea of Ignite credit card is to offer customer’s need of purchase with a credit card without having the requirement to bother about other unused features. Westpac’s Ignite Mastercard suits customer well enough to keep their expenses tightly.
For card holders, the facility to transfer money online is a significant benefit of an Ignite credit card. Superior security with a built-in chip delivers a maximum security against fraud. The security continues as an inactive card for 20 months requires customer to apply new pin number. If you want more information about credit cards in general, you can check this credit card definition.
Westpac Ignite Credit Card
For those who might have heard about virgin Money Credit card, Westpac ignite credit card is the new generation of it. Westpac bank and Virgin had stopped the cooperation in providing Virgin Credit Card and changed it to Westpac Ignite Mastercard. This appears on your billing statements if you own a Virgin credit card.
Regarding the operation, Ignite credit card is still using the same system as the previous Virgin Credit Card, but with a new look and statement that remove the Virgin on them.
The Westpac Ignite credit card has also eliminated annual fee in order to make the card work normally as usual. The card number will still be the same except for the expiry date.
What are the features of Ignite credit card?
No pin required
Daily purchase of not more than $100 without entering pin. Just tap on Pay Pass terminal.
Instant money
Ignite credit card does the instant money transfer to other eligible account
Periodic payment
With Ignite credit card, the payment is available through eligible account
Small charge
For the transaction, only small charge of less than 0.8%.
More protection
To avoid fraud, the card protection has been increased as it is provided with the latest technology of a security could have in a credit card.
The CardShield™ may give you a guarantee against any fraud activity by providing Online transaction security guarantee. This security guarantee assures you that you won’t take the responsibility in case of any transaction using the Ignite credit card without your consent and without our notification before the due date shown in the billing statement.
Another protection comes from 24/7 Falcon™ fraud protection. Any suspicious transaction done in an irregular cycle will be noticed by Westpac specialists and they will immediately contact you if it is made by you pr not. Hence, the reverse procedure can be done quickly.
The embedded chip technology is the advance version of security in a credit card that is standardized worldwide. The security chip lets you have a peaceful mind and need not be afraid if your Ignite credit card will be copied fraudulently
Ignite credit card repayment protection insurance helps you to cover repayment obligations. In some cases, people might lose job or experience injury that make them unable to work. The insurance covers these kind of cases.
Plenty of ways to pay your Ignite credit card account.
Card Autopay
To set up the account, you can visit Autopay website and ask for card Autopay Request form or make a call on 1800 080 000 to request it. This is an easy step as you set up your monthly payments for your credit card automatically.
No additional cost! From any transaction account you can make your payment and always feel free to make changes in 7-days notice.
Direct debits
Forget the late fees as you can set up direct debits from the Ignite credit card you own.
To set up direct debits, all you need is to cal service provider and give them the details of your Ignite credit card. You can freely choose the desired date for the payment including the amount.
Online Banking
Another fast way is to pay from other Westpac Accounts with your online banking that you set -up.
BPAY
You can use BPAY just by log in to your E-banking account and put your Ignite credit card number for customer reference number and follow the instruction.
Payments by mail
For this type of method, it is suggested that the post reaches in time to avoid charges for your payment.
The limit of an Ignite credit card is flexible according to your preference. It can be decreased or increased and even add an additional holder. Yes, you may also share this card benefits with other people if they are more than 16 years old.
Other Charges Info
Below lists are some of the charges you get
- Cash advances fees
- Interest of cash advance fees
- Fees related to your purchase
All of the details will be shown in your billing statement that you receive every month.
Tips to protect against fraud
Internet transaction can be risky sometimes, there are some tips you need to do to give protection against fraud.
Special concern is extremely needed to protect your Ignite credit card. It is suggested that you sign in as soon as you receive it and it would be a very good idea if you could take it with you anywhere instead of leaving it somewhere.
You should memorize your PIN instead of jotting it down somewhere. For activation, Ignite credit card issuer would send you a letter regarding your data and PIN number. It should be destroyed once you memorize it. It is a big No to write your PIN number on the card.
Westpac may cancel your Ignite Mastercard without notification. The termination due to the violation of user guide however, will be given in a form of letter. The good thing is that they give you 30 days notice to correct any mistakes or any false information.
Keep Updated about Your Ignite Credit Card
Thank you for reading. Those were all information that we can give you for now. Keep updated! We will add new ones if there are any new information about Westpac ignite credit card.