From saving with low interest rates and fees to earning reward points as you spend, compare Westpac credit cards to find the right card for you.
Westpac offers you a wide range of credit cards to choose from, including balance transfer cards with promotional low or 0% interest rates, low purchase rate cards, low fee cards and reward 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 Westpac credit card rates, fees and offers. You can also find out about the banking services available and learn how to apply for a Westpac credit card if you find one that suits your needs.
0% p.a. for 24 months on balance transfers
$0 annual fee for the first year
Offer ends 2 April 2019
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, a first year annual fee waiver and a low variable interest rate on purchases.
- $0 p.a. annual fee for the first year ($59 p.a. thereafter).
- 13.49% p.a. on purchases
- 0% p.a. for 24 months with 1% BT fee on balance transfers
- Cash advance rate of 19.49% p.a.
- Up to 55 days interest free
- Minimum income requirement of $15,000 p.a.
Comparison of Westpac Bank Credit Cards
Types of credit cards from Westpac
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.
Balance transfer credit cards
Some Westpac credit cards offer low or 0% interest rates on balance transfers for a promotional 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. Find out more in our step-by-step guide on how to complete a balance transfer with Westpac.
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.
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 Velocity Points, 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 credit cards
Westpac platinum 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 platinum options. For example, you can get up to 6 months international travel insurance when you pay for your return overseas tickets with the Westpac 55 Day 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 card that works for you.
Black credit cards
The Westpac Altitude Black card offers the highest tier of frequent flyer or rewards points earning and is packed with extras including complimentary insurance, airport lounge passes and a premium concierge service. 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
Here are some of the highlights you'll get with a Westpac card:
Earn points as you spend
Choose a Westpac credit card that rewards you with frequent flyer points or Altitude Points when you use it to make eligible purchases. The Westpac Altitude Rewards Program gives you the flexibility to choose rewards that suit you, including frequent flyer points, merchandise, gift cards and experiences available 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 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 Alliance ATM 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 and 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.
Visa or Mastercard benefits
Westpac offers Visa cards, as well as Mastercard options. So depending on the card you choose, you could get access to additional benefits, such as exclusive entertainment, travel and lifestyle offers through Visa Entertainment or Mastercard Priceless Cities.
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.
Changes coming 1 March 2019
Westpac credit cards issued following applications started on or after 1 March 2019 will be Mastercard branded.
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.