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
with a one-time 2% balance transfer fee
Offer ends 31 January 2018
Eligibility criteria, terms and conditions, fees and charges apply
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 online and approved, plus a low annual fee.
- $59 p.a. annual fee.
- 13.49% p.a. on purchases
- 0.00% p.a. for 24 months with 2% BT fee on balance transfers
- Cash advance rate of 21.49% p.a.
- Up to 55 days interest free
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 95% 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 Visa, 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, Mastercard or American Express benefits
Westpac offers Visa cards, as well as Mastercard and American Express 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. If you have a Westpac Altitude credit card that comes with both a Visa/Mastercard and an American Express, you could also enjoy deals through Amex Connect.
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
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.
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 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.
Can I transfer a balance from a Bank of Melbourne, BankSA or St.George credit card to a Westpac credit card?
As they're owned by Westpac, you can't transfer balances from BankSA, St.George or Bank of Melbourne between each other or to other Westpac cards. You can compare the cards you can and can't transfer between here.
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.
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.
How can I repay my Westpac credit card?
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.
When is the annual fee charged?
The annual fee is generally charged to the first statement period, and to the anniversary of that statement after that.
Which frequent flyer programs can I transfer my Altitude Rewards points to?
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.
How do I activate my Westpac card?
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.
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 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.