Westpac Credit Cards

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Whether you want to conduct a balance transfer, save with low-interest rates and fees or earn reward points as you spend, compare Westpac credit cards to find the right card for you.

Westpac is one of Australia's large credit card issuers. It offers a variety of cards including balance transfer products to help repay your debt without the cost of interest for a promotional period, low fee and competitive purchase rate products to keep your card costs to a minimum, reward credit cards to pick up points as you pay and premium products for big spenders who want more bang for their buck.

If you're not sure which Westpac credit card is for you or wonder how they compare to other credit card issuers on the market, you can use this guide to weigh up your options below.

Westpac Low Rate Card - Online Only Balance Transfer Offer

Westpac Credit Card Offer

The Westpac Low Rate is a no-frills credit card that will help you get in control of your finances. It also offers a long-term balance transfer if applied for online and approved, plus a low annual fee.

  • $59 p.a.
  • 13.49% p.a. on purchases
  • 0% p.a. for 24 months with 2% balance transfer fee on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $15,000 p.a.

Comparison of Westpac Bank Credit Cards

Rates last updated July 22nd, 2017
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 24 months with 2% balance transfer fee
$59 p.a.
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% BT fee. Plus, the convenience of the Westpac mobile banking app.
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$59 p.a.
Receive up to 55 days interest-free on purchases if you pay your balance in full. Plus, the convenience of the Westpac mobile banking app.
Westpac 55 Day Platinum Credit Card
19.84% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Receive up to 55 days interest-free on purchases, platinum concierge service and extended complimentary insurance cover.
Westpac Altitude Platinum Card
20.24% p.a.
$150 p.a.
Earn 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases. Offer ends 26 October 2017.
Westpac Altitude Black
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 80,000 bonus Altitude points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 26 October 2017.
Westpac Altitude Black - Altitude Qantas
20.24% p.a.
$195 p.a. annual fee for the first year ($395 p.a. thereafter)
Earn 80,000 bonus Qantas Points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 26 October 2017.
Westpac 55 Day credit card
19.84% p.a.
0% p.a. for 18 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Receive up to 55 days interest-free on purchases, the ability to use Samsung Pay and an additional cardholder for no cost.
Westpac Altitude Card
20.24% p.a.
$100 p.a.
Earn up to 2 Altitude Points per $1 spent on eligible purchases up to 5,000 per statement, plus American Express Connect perks.
Westpac Altitude Business Platinum Credit Card
0% p.a. for 12 months (reverts to 20.24% p.a.)
4.99% p.a. for 12 months
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Earn uncapped points up to 3 Altitude Points per $1 spent. Receive complimentary insurance and a personal 24/7 concierge service.
Westpac Altitude Business Gold Credit Card
0% p.a. for 12 months (reverts to 20.24% p.a.)
4.99% p.a. for 12 months
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn up to 2 reward points for every $1 spent up to 20,000 per statement. Plus receive complimentary insurance and easy tax reporting.
Westpac BusinessChoice Rewards Platinum Credit Card
18.99% p.a.
$150 p.a.
Earn up to 0.67 Qantas Points per $1 spent on eligible purchases and receive up to 45 interest-free days on purchases.
Westpac Lite Card
9.90% p.a.
$108 p.a.
Keep credit card costs low with a maximum credit limit of $4,000 and no foreign transaction fees.

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Types of credit cards from Westpac

Whether you like to get rewarded or you simply want a credit card with a low fee or a low rate, Westpac offers a number of credit cards that cater to the needs of most consumers. Have a look at the different types of Westpac credit cards in the product tables below.

  • Balance transfer credit cards

A number of Westpac credit cards offer 0% balance transfers for a promotional period. You can use these cards to transfer debt from up to three non-Westpac products as long as they don't exceed 95% of your approved credit limit. Once your application is approved, you can expect your card to arrive and the balance transfer to be finalised within a week or so. The promotional period begins immediately, so you'll enjoy 0% interest on your balance transfer until the end of the promotional period. Once the introductory offer ends, the balance transfer rate will revert to the standard purchase rate. See our step-by-step guide on how to complete a balance transfer with Westpac for further information.

Learn more about the balance transfers

  • Low rate and low fee credit cards

Westpac can help you save on standard credit card costs with low rate and low fee credit cards. Some cards come with 0% purchase rates for promotional periods, interest-free day offers and waived annual fees for the first year.

Learn more about Low Rate Credit Cards

  • Rewards credit cards

Westpac offers a variety of products for cardholders looking to earn Altitude reward points as they spend. Some of these cards also come with bonus points offers to help you kickstart your rewards balance early. Earn rates and bonus points offer vary between products, though, so you should compare your options to find the card that offers you the most points potential. You can redeem your points through the Altitude rewards store for anything from homewares and beauty products to gadgets and travel goods. Frequent flyers also have the option to exchange their Altitude points for Velocity Points, Asia Miles, Airpoints, Malaysia Airlines Enrich miles or Singapore Airlines KrisFlyer miles. Some of these cards also allow you to opt to earn either Altitude points or Qantas Points, the latter of which you can redeem for flight rewards and other perks through the Qantas Frequent Flyer program.

Learn more about Rewards Credit Cards

  • Black credit card

Black cards offer the highest tier of frequent flyer or rewards points earning and they’re packed with value adding features like 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.
Learn more about Black Credit Cards

The benefits of banking with Westpac

Credit card banking with Westpac can offer you the following perks and benefits:

    • Earn points as you spend

Choose a Westpac credit card that rewards you with frequent flyer points or Altitude Points when you charge the cost of an eligible purchase to the account. Direct earn frequent flyer credit cards earn you more frequent flyer points when you spend, however, the Westpac Altitude Rewards Program gives you the flexibility of transferring your points to frequent flyer programs, using it to pay with points on your account or redeeming them for products and perks through the Altitude Rewards store.

If you opt for a credit card that can earn Qantas Points, you can also look forward to redeeming rewards for flights, travel packages and products through the Qantas store.

    • Protection from fraud

You can shop with peace of mind knowing that Westpac's security covers can 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 Alliance ATM network

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

  • Samsung Pay functionality 

If you link your Westpac credit card to Samsung Pay, you can use your Samsung mobile device to make contactless payments at the checkout.

    • Annual fee waiver

With the Home Loan Premier Advantage Package, pay no annual fee on any one of the following credit cards:

  • 55 Day
  • 55 Day Gold (no longer available)
  • 55 Day Platinum Visa
  • Altitude (including Altitude Qantas)
  • Altitude Platinum (including Altitude Qantas Platinum)
  • Altitude Black (including Altitude Qantas Black)
  • Earth (no longer available)
  • Earth Platinum (no longer available)
  • Earth Black (no longer available)
  • Low Rate

There is only one fee waiver on a credit card per Premier Advantage package.

How to apply for a Westpac credit card

Check our review and application pages for the eligibility criteria specific to each type of credit card. For example, their black and platinum credit cards have a higher minimum income requirement than their low rate credit cards. Although the eligibility criteria may vary between products, the documentation requirements are the same for most personal credit card applications.

Required documents and information

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 95% of your approved credit limit to a Westpac credit card. For example, if you are approved for $10,000, you can do a balance transfer of up to $9,500.

As they're owned by Westpac, you can't transfer balances from BankSA, St.George or Bank of Melbourne between eachother or to other Westpac cards. You can compare the cards you can and can't transfer between here.

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.

Please note that only paying the minimum repayment will result in you collecting interest unless a 0% promotion is in place. If a promotion is in place, you won't be able to pay your balance in full before the offer ends and regular interest rate applies if you only pay the minimum repayment each month.

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 transfer your Westpac Altitude Rewards to Air New Zealand Airpoints, Cathay Pacific Asia Miles, Malaysia Airlines Enrich, Singapore Airlines KrisFlyer and Virgin Australia Velocity programs. Please note that you must already belong to these frequent flyer programs if you'd like to transfer your points to those accounts. For more information about how you can transfer your Westpac Altitude Rewards points to your chosen reward program.

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Read more on this topic

American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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36 Responses

  1. Default Gravatar
    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 ?

    • Staff
      MayAugust 2, 2016Staff

      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

  2. Default Gravatar
    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

    • Staff
      MayJuly 21, 2016Staff

      Hi Vince,

      Thanks for your question.

      As your Westpac Black Earth MasterCard comes with a 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 lease AU$500.

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

      Please feel free to visit this page for more details of the Westpac complimentary travel insurance.

      I hope this has helped.

      Cheers,
      May

  3. Default Gravatar
    February 3, 2016

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

    • Staff
      JonathanFebruary 3, 2016Staff

      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 non shareholder 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

  4. Default Gravatar
    November 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?

    • Staff
      JonathanNovember 6, 2015Staff

      Hi Jocelyn, thanks for your inquiry!

      This balance transfer transaction would be incompatible since the Ignite card is under Westpac. You may like to compare other balance transfer credit cards.

      Cheers,

      Jonathan

  5. Default Gravatar
    AbdulAugust 22, 2015

    i have your krisflyer credit card visa and amex. do i earn points for payments made to ATO and City council accounts?

    • Staff
      JonathanAugust 24, 2015Staff

      Hi Adbul, thanks for your inquiry!

      Westpac credit cards with AMEX are eligible to earn points for ATO payments. Please refer to the following link for how to pay your tax bill by credit card.

      Cheers,

      Jonathan

  6. Default Gravatar
    ronhigg1@hotmail.comAugust 17, 2015

    Would you please advise which banks in Ireland, Belgium, France and Czech I can withdraw money from my Handycard account using ATM facilities.
    Thanks you,
    Ron

    • Staff
      JonathanAugust 19, 2015Staff

      Hi Ron, thanks for your inquiry!

      Banks in Europe that waive the ATM withdrawal fee include BNP Paribas and Deutsche Bank. Please refer to the link I have sent to your email for a list of eligible banks and countries.

      Cheers,

      Jonathan

  7. Default Gravatar
    SUSIEApril 25, 2015

    Hello,
    I have noticed on the list of cards Westpac is advertising a “special offer” card which does not mention that it reverts to cash rate for balance transfer after the 20 month period – however when I try to apply, the fine print says it does revert after the 20 month period?

    • Staff
      JonathanApril 29, 2015Staff

      Hi Susie, thank you for your inquiry!

      That is correct, Westpac credit cards revert to the cash advance rate with selected cards reverting to the purchase rate. You may like to refer to the following link for balance transfer revert rates of credit card issuers.

      Cheers,

      Jonathan

  8. Default Gravatar
    MarjorieApril 15, 2015

    Hi, I have 2 home loans and a basic account with Westpac. I used to have a Westpac Credit Card but have not had one for a long time.
    In fact I still get a statement from Westpac Credit card saying my balance is $3.50 or whatever.

    I have been a Westpac customer for about 30 years or more. I need some money urgently and would only want to take out the minimum amount on a credit card.

    Are you able to help?

    • Staff
      ElizabethApril 15, 2015Staff

      Hi Marjorie,

      Thanks for your question.

      You might want to get in contact with Westpac to find out the status of your credit card account – if you’re receiving statements that you have a balance due then your account may still be active. Once you’ve confirmed the status of your account you can compare Westpac credit cards using the table on this page.

      If you’re looking for a card just for a few one-off payments you might want to consider a card with low interest and low fees or no annual fee to help keep your ongoing costs low. You can check the minimum eligibility for each of these cards by clicking on the name of the card, then when you’re ready to apply you can click ‘Go to Site and apply as an existing customer.

      I hope this has helped.

      Thanks,

      Elizabeth

  9. Default Gravatar
    russellMarch 16, 2015

    can card balances be swept automatically from a Westpac a/c each month?

    • Staff
      JonathanMarch 16, 2015Staff

      Hi Russell, thanks for your inquiry!

      To allow me to assist you further can I clarify whether you are asking if you can clear your credit card balance with a Westpac account each month?

      Cheers,

      Jonathan

  10. Default Gravatar
    JenFebruary 28, 2015

    Hi, We have booked a 9 week trip to the UK, Ireland, Scotland and Denmark fro July 18 to September 17 2015. We have used our Visa credit card and want to take up the free travel insurance cover. How do we go about this.

    Thanks

    • Staff
      JonathanMarch 2, 2015Staff

      Hi Jen, thanks for your inquiry!

      To be eligible for the complimentary overseas travel insurance, you must have a return overseas travel ticket and need to have paid at least A$500 of your travel costs using your eligible card before leaving Australia. Amplify Signature and Vertigo Platinum credit cards receive up to 6 months complimentary cover, whereas the Amplify platinum offers up to 3 months.

      Cheers,

      Jonathan

Credit Cards Comparison

Rates last updated July 22nd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
St.George Vertigo Visa
Receive up to 55 days interest-free on purchases and the ability to make contactless payments with Visa payWave technology.
13.24% p.a. 0% p.a. for 14 months $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to earn bonus Velocity Points for the first three months and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ANZ Platinum Credit Card - Exclusive Offer
Receive a low introductory offer of 0% p.a. on purchases for 3 months and 0% p.a. on balance transfers for 12 months.
0% p.a. for 3 months (reverts to 19.74% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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