You can consult the Chinese-speaking staff at Westpac for specific details.

When you open an account at Westpac, there will be two basic accounts in your name, Choice and Esaver. The choice account has no interest and is used for daily payments and transfer payments. The money in the Esaver account has interest, but it cannot be paid directly to the outside world. It needs to be transferred to the Choice account for use.

Accompanying your two basic accounts is a debit card, which is associated with the choice account. You can withdraw cash or swipe the card. When using it, you can choose the check or credit function, because this card also has small amounts. Overdraft function.

In addition, if you apply for a credit card, you will have an additional credit card account based on choice and esaver, similar to the 55 Day Platinum Visa Card. You can use money from those two basic accounts to pay off your credit card account.