What is the best Westpac credit card?

There isn't one best Westpac credit card that will suit everyone, because people get credit cards for all kinds of reasons. But the 2026 Finder Credit Card Awards used expert analysis of 12 months' worth of data to determine the best credit cards and Westpac credit cards were recognised in the following categories: Best No FX fees Credit Card (highly commended): Bankwest Breeze Platinum Mastercard Highly commended for Velocity Frequent Flyer Credit Card (winner): Westpac Altitude Velocity Black Highly commended for Qantas Frequent Flyer Credit Card (highly commended): Westpac Altitude Qantas Black Keep in mind: There's no one best credit card for everyone, so check details that matter to you. You can also view the full list of 2026 Finder Credit Card Awards , including details of the methodology for each category to help decide if one of these cards is right for you.

How do I pay a Westpac credit card?

If you're an existing Westpac credit card user, you can choose to make your repayments using any of the following: BPAY BPAY gives you a way to pay your Westpac credit card from another bank account. You need to make the payment through your bank's online banking platform, and require the following details: Biller name: Westpac Cards Biller code: 5181 Reference number: Your Westpac credit card number Card AutoPay You can set up automatic payments using your Australian savings or transaction account. If you wish to set up automatic payments using an existing Westpac account, you can do so through online banking or by calling 1300 130 961 (8am-8pm, 7 days a week). To use an account with a different financial intuition, you have to take a completed Card Autopay Request form into any Westpac branch along with your ID. When setting up your automatic repayments, you can choose to pay a set amount of the closing balance, a percentage of the closing balance, the minimum payment due or the full balance. Transfer from an existing Westpac account Existing transaction account holders with Westpac get three ways to make repayments towards their credit card accounts: Login to Westpac's online banking platform and transfer funds from your transaction accounts to your credit card accounts Use Westpac's phone banking platform and authorise payments towards your credit card accounts Make repayments by visiting your closest ATM and transferring funds from your transaction accounts to your credit card accounts Make payments at a Westpac Branch If you live or work close to a Westpac branch, you can simply walk into a branch and make your repayments during opening hours. Most Westpac branches are open between 9:30 am and 4:00pm, Monday to Friday.

How much do I have to repay every month?

You must make at least the minimum monthly payment, and you also have the option of paying more each month. Paying as much as you can towards the outstanding balance will help minimise the interest you pay. Here are the key details: The greater of 2% of your closing balance or $10; and The greater of any unpaid past due amounts from previous statements or any amount that exceeds your credit limit. If your closing balance is less than $10, you must repay the full amount.

How do I transfer a balance to a Westpac credit card when I apply?

To transfer your existing credit card debt to a Westpac credit card under a balance transfer promotion, proceed through the online application as normal. You’ll be asked whether you want to transfer a balance when it comes to the point of the application where you’re asked about your financial situation. Enter the card number, the amount you want to transfer and select the name of the institution that provides the card. See our guide on how to conduct a balance transfer with Westpac for further information.

How much can I transfer to a Westpac credit card?

You can transfer up to 80% of your approved credit limit to a Westpac credit card.

What’s the minimum repayment on my Westpac credit card?

You must make a payment to your credit card every month as advised by your monthly statement. Your statement will note when the payment is due and what minimum payment is required. The minimum payment will be equal to 2% of the closing balance or $10, whichever is greater – added on to any unpaid due amount. If you need to move your statement date so it coincides with your pay, then you can call Westpac to discuss this.

How do I activate my Westpac card?

You can activate your new Westpac credit card online or through the Westpac mobile app by logging in and following the prompts. You can also activate it through phone banking by calling 1300 308 930.

How do I cancel my Westpac card?

You can cancel your Westpac credit card account in a few minutes through Internet baking or the Westpac App at any time. You could also cancel your account by calling Westpac on 132 032 or by visiting a branch. Just keep in mind that you will need to make sure there are no outstanding payments before the account can be fully closed.

How can I lock or unlock my Westpac credit card?

If you have misplaced your Westpac card, you have the option of temporarily locking it so that no unauthorised transactions are made. You can do this online or through the mobile app using the following steps: Log in to your account. Go to "Services and preferences" if you're online, or "Services and security" if you're using the mobile app. Go to the "Card services" section and select "Lock a card temporarily". Choose the card you want to lock. A padlock will appear next to it to show that it is locked. You can also unlock your card from this screen in online or mobile banking. Otherwise, this "card on hold" service will last for a maximum of 15 days before it is unlocked again. If you haven't found your card at this time, you should report it through your online or mobile account. Alternatively, you can report a lost or stolen card by calling 1300 130 961.

Westpac Credit Cards Comparison & Reviews

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Westpac is one of Australia's Big Four Banks and offers credit cards for everyday spending, as well as cards for businesses.
If you're a new customer, you can also compare Westpac credit card introductory offers that can give you cashback, bonus points or a promotional 0% interest rate.

Compare Westpac Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Westpac Low Rate Card	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 20 months with 3% balance transfer fee, then 21.99%	Annual fee $84	Go to site View details Compare product selection Compare	loading
Westpac Altitude Velocity Platinum Velocity Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 0.35	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Receive 70,000 bonus Velocity Points in year 1 when you spend $4,000 on eligible purchases in the first 90 days of card approval and 30,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Qantas Black Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 150,000	Points per $ spent 0.5	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Get 90,000 bonus Qantas Points in year 1 when you spend $6,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Velocity Black Velocity Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 150,000	Points per $ spent 0.5	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Offers 90,000 bonus Velocity Points in year 1 when you spend $6,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Rewards Black Westpac Altitude Rewards	Purchase rate p.a. 20.99%	Bonus points 200,000	Points per $ spent 1	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $200 first year ($295 after)	Earn 100,000 bonus Altitude Rewards Points points when you spend $12,000 in the first 12 months of card approval and 100,000 when you keep your card open for 15 months. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Business Gold Credit Card Westpac Altitude Rewards	Purchase rate p.a. 20.24%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 4.99% for 12 months with 0% balance transfer fee, then 20.24%	Annual fee $0 first year ($150 after)	View details Compare product selectionCompare	loading
Westpac BusinessChoice Rewards Platinum Credit Card Qantas Business Rewards	Purchase rate p.a. 20.24%	Bonus points 100,000	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $150	View details Compare product selectionCompare	loading
Westpac Altitude Qantas Platinum Qantas Frequent Flyer	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 0.35	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Earn 70,000 bonus Qantas Points in year 1 when you spend $4,000 on eligible purchases in the first 90 days of card approval and 30,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Westpac BusinessChoice Everyday Credit Card	Purchase rate p.a. 14.25%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $75	View details Compare product selectionCompare	loading
Westpac Altitude Rewards Platinum Westpac Altitude Rewards	Purchase rate p.a. 20.99%	Bonus points 100,000	Points per $ spent 1	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $99 first year ($175 after)	Earn 75,000 bonus Altitude Points when you spend $3,000 in the first 90 days of card approval and 25,000 points after the first spend in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Westpac Lite Card	Purchase rate p.a. 9.9%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $108	Cashback offers and discounts through Westpac Extras.	View details Compare product selectionCompare	loading
Westpac Low Rate Card - Cashback Offer	Purchase rate p.a. 13.74%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $84	View details Compare product selectionCompare	loading
Westpac Altitude Business Platinum Credit Card Westpac Altitude Rewards	Purchase rate p.a. 20.24%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($200 after)	View details Compare product selectionCompare	loading
Westpac Low Fee Card	Purchase rate p.a. 20.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($30 after)	View details Compare product selectionCompare	loading

Find a better credit card

Take our easy quiz and find the right card for you.

Congratulations, Westpac!

Westpac was a big winner in the 2026 Finder Awards.

Highly Commended, Best Balance Transfer Credit Card: Westpac Low Rate Card
Highly Commended, Best Qantas Frequent Flyer Credit Card: Westpac Altitude Qantas Black
Highly Commended, Best Velocity Frequent Flyer Credit Card: Westpac Altitude Velocity Black
Highly Commended, Best Business Frequent Flyer Credit Card: Westpac Altitude Business Gold Credit Card
Highly Commended, Best Business Frequent Flyer Credit Card: Westpac Altitude Business Platinum Credit Card

Full list of 2026 credit cards winners

Benefits of getting a credit card with Westpac

Mobile payments

Westpac credit cards can be added to the following mobile wallets and apps:

Apple Pay
Google Pay

Samsung Pay
Garmin Pay

Westpac Extras

This complimentary program gives you access to cashback offers with well-known brands and stores in Australia. You'll see the latest offers when you log in to Westpac Live. You can also sign up to get offers emailed to you. When you get an offer, you just need to shop at the store and pay with your eligible Westpac credit card, and the cashback will be added to your account as a statement credit.

You can get Westpac Extras offers with any personal Westpac credit card, but not with the Westpac BusinessChoice, Westpac corporate credit cards, Westpac consumer or business debit cards. Also keep in mind that payments made through platforms like PayPal are not eligible to earn cashback.

Westpac SmartPlan credit card instalment plans

Westpac SmartPlan lets you pay off your credit card balance in regular, monthly instalments. This means you'll pay the same amount for your plan each month. Some SmartPlans also offer a reduced interest rate, with 2 main types to choose from:

Large Purchase SmartPlan. You can set up a Large Purchase SmartPlan for any single purchase worth $500 or more as long as it's been made in the past 30 days. This makes it suited to individual big-ticket items bought with your credit card, such as a new laptop, flights or hotel bookings. Keep in mind that establishment fees apply and will be shown before you set up a plan.
Balance SmartPlan. This option allows you to set up instalments for any credit card balance of $200 or more.

You can set up a Westpac SmartPlan in a few clicks through online banking or the Westpac App.

How do I cancel my Westpac SmartPlan?

You can cancel your SmartPlan at any time through Westpac online banking or the Westpac app. There are no cancellation fees and it will take up to 2 business days to confirm the cancellation.

Westpac PartPay

Similar to buy now pay later, Westpac PartPay lets you split purchases of $100 or more into 4 fortnightly repayments. The repayments come out of your nominated bank account and there are no additional fees as long as you have enough money in your account for each fortnight's automatic repayment.

If you have an eligible Westpac credit card, you can set up PartPay through the Westpac App and will get a digital card (linked to your credit card account). Then, just use your PartPay card to make any purchases you want to pay for in instalments.

Annual fee waiver - home loan offer

With a Westpac Home Loan Premier Advantage Package, you can get the annual fee waived on one of the following credit cards:

Low Fee
Altitude (including Altitude Qantas)
Altitude Platinum (including Altitude Qantas Platinum)

Altitude Black (including Altitude Qantas Black)
Low Rate

Existing customers may also get a fee waiver for an eligible credit card that is no longer taking new applications. Just note that the Advantage Package only offers one credit card fee waiver per package.

Security features

Westpac credit card security includes 24-hour fraud protection monitoring services for your account, added online security through Mastercard Identity Check and Visa Secure and an online transaction security guarantee to ensure you're not liable for online transactions made without your knowledge or consent.

The Westpac Global ATM Alliance network

When you get a Westpac credit card, you can use it to withdraw cash for free at ATMs that are part of the Westpac Group. This includes ATMs offered by Westpac, St.George, BankSA and Bank of Melbourne. You can also save on ATM withdrawal fees worldwide thanks to the Westpac Global ATM alliance.

How to apply for a Westpac credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

Credit card brands similar to Westpac

If you want to compare Westpac credit cards to those from other lenders, you could consider the other Big Four Banks in Australia:

Frequently asked questions

There isn't one best Westpac credit card that will suit everyone, because people get credit cards for all kinds of reasons. But the 2026 Finder Credit Card Awards used expert analysis of 12 months' worth of data to determine the best credit cards and Westpac credit cards were recognised in the following categories:
- Best No FX fees Credit Card (highly commended): Bankwest Breeze Platinum Mastercard
- Highly commended for Velocity Frequent Flyer Credit Card (winner): Westpac Altitude Velocity Black
- Highly commended for Qantas Frequent Flyer Credit Card (highly commended): Westpac Altitude Qantas Black
Keep in mind: There's no one best credit card for everyone, so check details that matter to you. You can also view the full list of 2026 Finder Credit Card Awards, including details of the methodology for each category to help decide if one of these cards is right for you.
If you're an existing Westpac credit card user, you can choose to make your repayments using any of the following:
BPAY
BPAY gives you a way to pay your Westpac credit card from another bank account. You need to make the payment through your bank's online banking platform, and require the following details:
- Biller name: Westpac Cards
- Biller code: 5181
- Reference number: Your Westpac credit card number
Card AutoPay
You can set up automatic payments using your Australian savings or transaction account. If you wish to set up automatic payments using an existing Westpac account, you can do so through online banking or by calling 1300 130 961 (8am-8pm, 7 days a week). To use an account with a different financial intuition, you have to take a completed Card Autopay Request form into any Westpac branch along with your ID.
When setting up your automatic repayments, you can choose to pay a set amount of the closing balance, a percentage of the closing balance, the minimum payment due or the full balance.
Transfer from an existing Westpac account
Existing transaction account holders with Westpac get three ways to make repayments towards their credit card accounts:
- Login to Westpac's online banking platform and transfer funds from your transaction accounts to your credit card accounts
- Use Westpac's phone banking platform and authorise payments towards your credit card accounts
- Make repayments by visiting your closest ATM and transferring funds from your transaction accounts to your credit card accounts
Make payments at a Westpac Branch
If you live or work close to a Westpac branch, you can simply walk into a branch and make your repayments during opening hours. Most Westpac branches are open between 9:30 am and 4:00pm, Monday to Friday.
You must make at least the minimum monthly payment, and you also have the option of paying more each month. Paying as much as you can towards the outstanding balance will help minimise the interest you pay. Here are the key details:
- The greater of 2% of your closing balance or $10; and
- The greater of any unpaid past due amounts from previous statements or any amount that exceeds your credit limit.
- If your closing balance is less than $10, you must repay the full amount.
To transfer your existing credit card debt to a Westpac credit card under a balance transfer promotion, proceed through the online application as normal. You’ll be asked whether you want to transfer a balance when it comes to the point of the application where you’re asked about your financial situation. Enter the card number, the amount you want to transfer and select the name of the institution that provides the card. See our guide on how to conduct a balance transfer with Westpac for further information.
You must make a payment to your credit card every month as advised by your monthly statement. Your statement will note when the payment is due and what minimum payment is required. The minimum payment will be equal to 2% of the closing balance or $10, whichever is greater – added on to any unpaid due amount. If you need to move your statement date so it coincides with your pay, then you can call Westpac to discuss this.
You can cancel your Westpac credit card account in a few minutes through Internet baking or the Westpac App at any time. You could also cancel your account by calling Westpac on 132 032 or by visiting a branch. Just keep in mind that you will need to make sure there are no outstanding payments before the account can be fully closed.
If you have misplaced your Westpac card, you have the option of temporarily locking it so that no unauthorised transactions are made. You can do this online or through the mobile app using the following steps:
1. Log in to your account.
2. Go to "Services and preferences" if you're online, or "Services and security" if you're using the mobile app.
3. Go to the "Card services" section and select "Lock a card temporarily".
4. Choose the card you want to lock. A padlock will appear next to it to show that it is locked.
You can also unlock your card from this screen in online or mobile banking. Otherwise, this "card on hold" service will last for a maximum of 15 days before it is unlocked again. If you haven't found your card at this time, you should report it through your online or mobile account. Alternatively, you can report a lost or stolen card by calling 1300 130 961.

Compare other products from Westpac

Sources

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Written by

Amy Bradney-George

Journalist

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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Amy has written 471 Finder guides across topics including:

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38 Responses

BikashJuly 11, 2023

Hello

Which rewards card is better. Can you recommend me anyone.
My option is altitude platinum qantas mastercard though i am not frequently flying.
Please help me to choose.
Thanks

Finder

ElizabethJuly 24, 2023Finder

Hi Bikash,

Unfortunately I cannot recommend a credit card for you as I can’t give personal advice.

If you’re looking for a Westpac rewards credit card specifically, you can use the comparison table above to compare interest rates, fees bonus points and points per $ spent.

If you want to look at more providers you can use the comparison table on this page: https://www.finder.com.au/credit-cards/rewards-credit-cards

The second page has a list of some of the best credit cards from this month as well as a guide to how to find the best card for you.

I hope this helps,

Elizabeth

AdamJuly 23, 2016

Hi , I’m a sole trading carpenter with a registered active Abn my credit score is around 680 . I earn $120ph and pay out $32cash to my labourer from the $120 , that is including tax . I am just wondering if I would need financials or bas statements to apply for a credit card or could i just provide access to my banking statements ? I also do a lot of cash work for friends so my income doesn’t seem all that regular on paper however Iv always got plenty of work . What is the likely hood of me getting approved for this credit ?

Finder

MayAugust 2, 2016Finder

Hi Adam,

Thanks for your inquiry.

Sorry for the delayed response. Most credit card companies vary when it comes to setting eligibility requirements and criteria. But generally, your approval will be based on their assessment of your income, credit rating and ability to repay.

As finder.com.au does not represent Westpac (or any other credit card company), we won’t be able to advise if you will be approved for a Westpac credit card or not. You’d be best if you contact Westpac directly and discuss your chances of approval before you submit your application. That way, you can avoid enquiries on your credit file and you’ll be able to keep it healthy.

Cheers,
May

VinceJuly 17, 2016

if i use my earth black master card on a overseas holiday does the credit card travel insurance cover the costs of cancellations or accidents while i am overseas and which insurance company does westpac go through

Finder

MayJuly 21, 2016Finder

Hi Vince,

Thanks for your question.

As your Westpac Black Earth MasterCard comes with complimentary travel insurance, so yes, you are covered for the international travel insurance for accidents and cancellations, provided that before you leave Australia on your overseas trip, you use your card to purchase your ticket and prepaid travel cost for at least AU$500.

The insurance company that provides the cover for Westpac cardholders is QBE Insurance.

Please feel free to read Westpac complimentary travel insurance guide to learn more details.

I hope this has helped.

Cheers,
May

GeoffreyFebruary 3, 2016

I am a shareholder of Westpac does this count for the no fee first year with a new Black credit card

Finder

JonathanFebruary 3, 2016Finder

Hi Geoffrey,

Thanks for your inquiry!

The standard market offer with the Westpac Altitude Black credit card requires an annual fee of $395 p.a.
Shareholders receive the following exclusive benefits with Altitude credit cards:

Receive more bonus Altitude points than nonshareholder customers upon initial activation of any new card in the Altitude range.

7,500 bonus points with Altitude (5,000 points for regular cardholders) and Altitude Business Limited Edition.
12,500 bonus points with Altitude Gold (10,000 points for regular cardholders) and Altitude Business Limited Edition Gold.
20,000 bonus points with Altitude Platinum (15,000 points for regular cardholders).

To receive the respective exclusive points benefit when applying, quote or enter the promotional code WAAQM.

I hope this helps.

Cheers,

Jonathan

JocelynNovember 5, 2015

Hi, I would like to apply for a $0 balance credit card. Paying out an Ignite account. This account was initially through Virgin credit cards, however, Westpac took over Virgin + it was changed to Ignite. Am I able to apply for $0 balance transfer from Westpac or do I need to go through another bank? I don’t consider myself an existing customer, as it was not Westpac whom we initially applied for the Virgin card. What is your knowledge of this?

Finder

JonathanNovember 6, 2015Finder

Hi Jocelyn,

Thanks for your inquiry!

This balance transfer transaction would be incompatible since the Ignite card is under Westpac. Our handy guide on banks you can balance transfer to will serve as your reference before moving your balance to another card. You can also see a list of balance transfer credit cards to compare. Select Go to Site if you are ready to apply. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before applying.

Cheers,
Jonathan

Westpac Credit Cards

Westpac offers credit cards you can compare for all kinds of goals, including 0% balance transfer offers, bonus points, low-cost options and business credit cards.