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Westpac offers a wide range of credit cards, including balance transfer cards with low or promotional 0% interest rates, low purchase rate cards, low fee cards and rewards or frequent flyer credit cards that reward you for your spending. There are also platinum and black credit cards that offer more premium perks. Use this guide to compare rates, fees and current offers.
Westpac Credit Card Offer
Westpac Low Rate Card
0% p.a. for 28 months on balance transfers $0 annual fee for the first year
Offer ends 30 November 2021
Eligibility criteria, terms and conditions, fees and charges apply
Westpac Credit Card Offer
The Westpac Low Rate credit card features a long-term balance transfer offer plus a first-year annual fee waiver.
$0 first-year annual fee ($59 p.a. thereafter)
0% p.a. for 28 months on balance transfers with a one-time 1% BT fee, (reverts to 21.49% p.a.)
Variable interest rate of 13.74% p.a. on purchases
Whether you want to earn points for your spending or are looking for a low-cost credit card, Westpac offers cards that are designed to suit a variety of goals. Depending on the card you choose, you could also enjoy a promotional 0% interest rate on balance transfers or purchases or get thousands of bonus points through an introductory offer. Here, you can look at the different types of Westpac credit cards to see if there's one that suits your needs.
Low rate and low fee credit cards
These Westpac cards can help you save on standard credit card costs by offering competitive rates and fees. Some cards also come with 0% purchase rates for promotional periods, interest-free day offers and waived annual fees for the first year.
Some Westpac credit cards offer low or 0% interest rates on balance transfers for an introductory period. You can use these cards to transfer debt from up to three non-Westpac credit, store or charge cards, although the total amount you transfer cannot be more than 80% of your approved credit limit with Westpac. Once the introductory offer ends, the balance transfer rate will revert to the standard cash advance rate for that card.
Rewards credit cards
Westpac Altitude Rewards credit cards let you earn points per $1 spent on eligible everyday purchases. You can redeem your points through the Altitude rewards store for anything from homewares and beauty products to gadgets and travel goods. If you're a frequent flyer, you can also transfer Altitude points for Asia Miles, Airpoints, Malaysia Airlines Enrich Miles or Singapore Airlines KrisFlyer Miles. Westpac Altitude Rewards cards also let you earn Qantas Points if you opt-in to Altitude Qantas (instead of Altitude Rewards).
Platinum and Black credit cards
Westpac platinum and black credit cards come with complimentary extras including overseas travel insurance, transit accident insurance, purchase insurance covers and access to a priority service phone line. These benefits vary between premium options. For example, you can get up to 6 months international travel insurance when you pay for your return overseas tickets with the Westpac Low Fee Platinum, while you'll get up to 3 months with the Westpac Altitude Platinum. Other features, rates and fees also vary, so comparing these details will help you find a platinum credit card that works for you.
The Westpac Altitude Black card offers the highest tier of rewards or frequent flyer points earning and is packed with extras including complimentary insurance and airport lounge passes. This all comes at the price of a high annual fee and a high ongoing purchase rate of interest, though. So make sure that the benefits of the card outweigh the costs if you want to get the most value from your black credit card.
Benefits of getting a credit card with Westpac
Here are some of the highlights you'll get with a Westpac card:
Mobile contactless payments
Westpac offers compatibility with Google Pay, Samsung Pay, Apple Pay, Fitbit Pay and Garmin Pay. This means you can enjoy the convenience of making contactless payments with your eligible smartphone or wearable device at the checkout.
Get access to additional benefits, such as exclusive entertainment, travel and lifestyle offers through Mastercard Priceless Cities.
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.
There are two types of SmartPlans you can choose from:
Large Purchase SmartPlan. This type of plan is designed to help you pay off individual big-ticket items bought with your credit card, such as a new laptop, flights or hotel bookings. 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. Establishment fees apply.
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.
Protection from fraud
You can shop with peace of mind knowing that Westpac's security services protect you if you're the victim of credit card fraud. The online transaction security guarantee will ensure you're not liable for transactions made without your knowledge or consent online. Plus, 24/7 fraud protection will monitor your account for irregular activity and CHIP technology can protect your card from counterfeit or skimming fraud.
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.
Annual fee waiver
With the Home Loan Premier Advantage Package, pay no annual fee on any one of the following credit cards:
There is only one fee waiver on a credit card per Premier Advantage package.
How to apply for a Westpac credit card
If you've compared your options and want to apply for a Westpac credit card, start by making sure you meet the eligibility requirements for your chosen card. If you meet these requirements, you can apply for your Westpac credit card online in around 10 minutes when you have the following details and documents on hand.
Required details and documents
Some of the information and documents you'll need to provide include:
Personal information. You’re required to provide Westpac with information about your current (and sometimes previous) address, your full name, date of birth and details about your current living situation, like whether you have any dependents, whether you rent and more.
Financial details. Westpac also needs information about your finances in order to assess your application for credit. Be prepared to provide information about your income, your employer, whether you have any debt and your ongoing expenses.
Balance transfer information. If you want to transfer a balance to a Westpac credit card, you’ll need to provide information about the credit card you want to transfer from.
Self-employed. Self-employed applicants are required to provide recent tax returns or their accountant’s details.
Frequently asked questions
If you have a question about Westpac credit cards, use the form below to get in touch with us. Alternatively, you can check the frequently asked questions about Westpac credit cards for an answer.
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 can transfer up to 80% of your approved credit limit to a 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.
There are a number of options available to pay your Westpac credit card balance. If you have a Westpac transaction account, you can transfer the fund to your credit card account via the online banking facility. If your main account is with another financial institution, you can pay your Westpac credit card using BPAY, or you can pay your statement in person at a Westpac branch. You can even send a cheque in the mail if this is your preferred payment option.
The annual fee is generally charged to the first statement period, and to the anniversary of that statement after that.
You can activate your new Westpac credit card at any time by calling 1300 308 930. Or, if you're already registered for Westpac online banking, you can activate your card through the Westpac website or mobile app in a few minutes. Just log in to your account and follow the prompts.
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 though 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 in 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.
Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.
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