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Westpac

Westpac Credit Cards

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

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Westpac is one of Australia's Big Four Banks and offers a wide range of credit cards for both everyday spending and businesses. If you're a new customer, you could get extra value from an introductory offer that gives you cashback, bonus points or a promotional 0% interest rate. Westpac credit cards can also be added to most major mobile wallet apps, including Apple Pay, Google Pay and Samsung Pay.

Westpac Credit Card Offer

Westpac Altitude Black

Receive 140,000 bonus Altitude Points
Discounted $99 first-year annual fee

Offer ends 31 December 2022

Eligibility criteria, terms and conditions, fees and charges apply

Westpac Credit Card Offer

Receive 140,000 bonus Altitude Points and uncapped points on eligible spend. Plus, 24/7 personal concierge services.

  • 140,000 bonus Altitude Points when you spend $6,000 on eligible purchases within the first 120 days
  • 0% p.a. for 24 months on balance transfers (with a one-time 1% balance transfer fee)
  • 6 Altitude pts/$1 spent (up to $10k per month) on flights purchased in Australia directly w/ Qantas, Jetstar, & Virgin Australia, then 1.25/$1 spent thereafter. 2/$1 spent at David Jones, Myer, THE ICONIC, Spotify Premium, Uber, Uber Eats & Airbnb
  • Discounted $99 first-year annual fee ($250 thereafter)
  • 2 complimentary Priority Pass airport lounge passes per year & complimentary travel insurance
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Westpac Bank Credit Card Comparison

Name Product Purchase rate p.a. Interest-free period Balance transfer rate p.a. Annual fee

Westpac Altitude Black

Westpac Altitude Black
19.99%
Up to 45 days on purchases
0% for 24 months with 1% balance transfer fee
$99 for the first year ($250 thereafter)
Earn 140,000 bonus Altitude Points when you spend $6,000 in the first 120 days. Plus, save with a reduced first-year annual fee.

Westpac Altitude Platinum Card

Westpac Altitude Platinum Card
19.99%
Up to 45 days on purchases
0% for 24 months with 1% balance transfer fee
$49 for the first year ($150 thereafter)
Get 110,000 bonus Altitude Points (worth $350 cashback) when you spend $3,000 in the first 90 days. Plus, a $49 first-year annual fee discount.

Westpac Low Rate Card - Cashback Offer

Westpac Low Rate Card - Cashback Offer
13.74%
Up to 55 days on purchases
6.99% for 12 months
$59
A no-frills card offering up to $200 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 4 months.

Westpac Low Rate Card

Westpac Low Rate Card
13.74%
Up to 55 days on purchases
0% for 28 months with 2% balance transfer fee
$59
Save with a 0% interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.

Westpac Altitude Platinum Qantas

Westpac Altitude Platinum Qantas
19.99%
Up to 45 days on purchases
0% for 24 months with 1% balance transfer fee
$49 for the first year ($200 thereafter)
Get 70,000 bonus Qantas Points when you spend $4,000 within 90 days. Plus, a first-year annual fee discount and a 0% balance transfer offer.

Westpac Flex Card

Westpac Flex Card
0%
$120
Offers a $1,000 credit limit, 0% foreign transaction fees and $0 monthly fee when you pay the previous month's balance in full.

Westpac Altitude Black - Velocity

Westpac Altitude Black - Velocity
19.99%
Up to 45 days on purchases
0% for 24 months with 1% balance transfer fee
$300
Up to 120,000 bonus Velocity Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).

Westpac Altitude Black - Qantas

Westpac Altitude Black - Qantas
19.99%
Up to 45 days on purchases
0% for 24 months with 1% balance transfer fee
$300
Up to 120,000 bonus Qantas Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).

Westpac Low Fee Card

Westpac Low Fee Card
0% for 15 months, reverts to 20.09%
Up to 55 days on purchases
6.99% for 12 months
$0 for the first year ($30 thereafter)
Save with a 0% interest on purchases for 15 months, plus a $0 annual fee for the first year.

Westpac Altitude Platinum Velocity

Westpac Altitude Platinum Velocity
19.99%
Up to 45 days on purchases
0% for 24 months with 1% balance transfer fee
$49 for the first year ($200 thereafter)
Get 70,000 bonus Velocity Points when you spend $4,000 within 90 days. Plus, a discounted $49 first-year annual fee.

Westpac Lite Card

Westpac Lite Card
9.9%
Up to 45 days on purchases
$108
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.

Westpac BusinessChoice Rewards Platinum Mastercard

Westpac BusinessChoice Rewards Platinum Mastercard
20.24%
Up to 55 days on purchases
$150
Earn 120,000 bonus Qantas Points when you spend $3,000 in the first 90 days. Plus, enjoy complimentary insurances and uncapped points.

Westpac Altitude Business Platinum Credit Card

Westpac Altitude Business Platinum Credit Card
20.24%
Up to 55 days on purchases
4.99% for 12 months
$0 for the first year ($200 thereafter)
Enjoy a $0 first-year annual fee and 4.99% p.a. on balance transfers for 12 months.

Westpac Altitude Business Gold Mastercard

Westpac Altitude Business Gold Mastercard
20.24%
Up to 55 days on purchases
4.99% for 12 months
$0 for the first year ($150 thereafter)
Save with a $0 annual fee for the first year and 4.99% p.a. on balance transfers for 12 months.
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Types of credit cards from Westpac

  • Westpac low rate credit cards

A Westpac low rate credit card gives you a way to save on interest charges when you don't pay off your credit card balance in full each month. Both the Westpac Low Rate Credit Card and the Westpac Lite Card have variable interest rates that are much lower than the average standard credit card rate in Australia, which is currently 19.94%. They also offer annual fees that are competitive with other low rate cards in Australia.

  • Westpac balance transfer credit cards

Westpac balance transfer credit cards offer an introductory low or 0% interest rate when you move debt (or debts) from up to 3 Australian credit cards, store cards or charge cards that are not issued by Westpac.

At the end of the introductory period, any unpaid balance transfer amount will be charged interest at the card's variable cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.

  • Westpac low fee credit cards

These Westpac cards can help you save on standard credit card costs by offering competitive account fees. Some cards offer low annual fees, while others charge a monthly fee instead of a yearly one.

  • Westpac rewards credit cards

Westpac Altitude Rewards credit cards earn points per $1 on your eligible spending, which includes everyday shopping for groceries, dining, petrol and travel. You can redeem Altitude Points for rewards including gift cards, cashback and retail items. You can also transfer Altitude Points to Velocity Frequent Flyer, Asia Miles, Air New Zealand Airpoints or Singapore Airlines KrisFlyer. Finder's guide to Westpac Altitude Rewards gives you all the details.

  • Westpac frequent flyer credit cards

With a Westpac Altitude Platinum or Black card, you can choose to earn Qantas Points or Velocity Points instead of Altitude Points.

You just need to select the Altitude Qantas or Altitude Velocity option and include your frequent flyer membership details when you apply. You can also switch at a later date by contacting the Westpac Altitude Rewards team on 1300 887 820. Just keep in mind that there is a $50 annual rewards fee for choosing Altitude Qantas or Altitude Velocity, in addition to the card's annual fee.

Get more value: Beyond points, Westpac credit cards also offer a mix of other perks, ranging from complimentary travel and purchase insurance to airport lounge passes and a concierge service. Check the benefits for each card to see what it offers and compare your options.
  • Westpac Flex – a no interest, monthly fee card

Westpac is one of the few banks to offer a no interest, flat fee credit card. Instead of charging interest, the Westpac Flex Card has a monthly fee that you only have to pay when you carry a balance.

This setup can make it easier to plan your payments because the amount you're charged when you have a balance never changes (and it could if there was an interest rate). And if you pay the outstanding balance in full by the due date, the monthly fee is waived.

The Westpac Flex Card is also one of the few cards that you can start using virtually as soon as your application is approved.

  • Westpac business credit cards

Westpac offers a range of rewards and low rate business credit cards. These cards give you a way to keep track of business spending, with features including additional cards for employees, fraud monitoring and export options for MYOB, BAS and Microsoft Excel. It also offers corporate credit cards for larger organisations.

Benefits of getting a credit card with Westpac

Here are some of the key features you can get with a Westpac card:

  • Mobile payments

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  • 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 and can also sign up to get emails. 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.

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. Just note that SmartPlans are not available if you have the Westpac Flex Card.

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.

  • 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.

  • 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.

  • Mastercard benefits

Get access to additional benefits, such as exclusive entertainment, travel and lifestyle offers through Mastercard Priceless Cities.

Eligibility criteria

If you want to apply for a Westpac credit card, the next step is to make sure you meet the eligibility criteria.

Each card has slightly different details for who can apply, but all Westpac cards include the following:

  • Income. You'll need to have a regular income to apply for a Westpac credit card.
  • Australian residency status. You can apply for a Westpac credit card if you are an Australian citizen or permanent resident. Some cards also accept applications from people with eligible visas – when that's the case, you'll see details about it before you start the application.
  • Age. You must be at least 18 years old.

How long does it take to apply?

You can apply for your Westpac credit card online in around 10 minutes. Once you complete the application, Westpac will contact you with an outcome and/or details about the next steps.

Information and documents you need to apply

Westpac credit card applications are made up of a mix of general details and information that's specific to your financial situation. This includes:

  • Personal information. Your full name, date of birth, Australian residential address and details about your current living situation. If you're new to Westpac, you also need to provide identification, such as your Australian driver's licence, passport, Medicare card or birth certificate.
  • Financial details. Your regular income and any other assets, including savings or investments. You also need to include details of regular expenses such as mortgage payments, rent, utility bills and groceries.
  • Details if you're employed full-time or part-time. Your salary, job title, employer and any supporting documents Westpac requests, such as recent payslips.
  • Details if you're employed casually. You'll need to show that you have been working for the same employer for at least 6 months.
  • Details if you're self-employed. You'll need to show that you have been operating for at least 18 months and include your most recent Tax Assessment Notice from the Australian Taxation Office.
  • Acceptable income from other sources. This could include income from other employment (e.g. a second job), rental income, superannuation or pension income, dividends and interest received or one of the following government payments:
    • Aged pension
    • Widows pension
    • Disability support pension
    • Family tax benefit part A or part B

Have a question about the application? Call Westpac on 132 032 to talk about your situation.

Card details

Depending on which card you're applying for, you could be asked about the following details as part of the application:

  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that Westpac will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested. Also note that you won't be asked about a credit limit for the Westpac Flex, as it only offers one credit limit.
  • Balance transfer information. If you want to transfer a balance to a Westpac credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.

What happens after you apply?

Westpac will email you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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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 ?

    • Avatarfinder Customer Care
      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

    • Avatarfinder Customer Care
      MayJuly 21, 2016Staff

      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

  3. Default Gravatar
    GeoffreyFebruary 3, 2016

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

    • Avatarfinder Customer Care
      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 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

  4. Default Gravatar
    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?

    • Avatarfinder Customer Care
      JonathanNovember 6, 2015Staff

      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

  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?

    • Avatarfinder Customer Care
      JonathanAugust 24, 2015Staff

      Hi Adbul,

      Thanks for your inquiry.

      Westpac credit cards with AMEX are eligible to earn points for ATO payments. You may also refer to our guide to compare credit cards that have rewards points earnings, allow payments to the ATO, and see points per $1 for government charges.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.

      Cheers,
      Jonathan

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