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Westpac Credit Cards

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 a wide range of credit cards, 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 rates, fees and current offers.

Westpac Credit Card Offer

Westpac Low Rate Card

0% p.a. for 18 months on balance transfers

Offer ends 31 July 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 and a low variable interest rate on purchases.

  • $59 p.a. annual fee.
  • 13.74% p.a. on purchases
  • Cash advance rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum income requirement of $15,000 p.a.
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Comparison of Westpac Bank Credit Cards

Rates last updated June 19th, 2019
% p.a.
Name Product Balance transfer rate Purchase rate (p.a.) Bonus Points Annual fee Amount Saved Product Description
Westpac Low Rate Card
0% p.a. for 18 months
13.74% p.a.
$59 p.a.
A low rate card offering 0% p.a. on balance transfers for 18 months and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.49% p.a.
60,000 bonus points
$200 p.a.
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, complimentary insurances and a personal concierge.
Westpac Low Fee Platinum Card
0% for 9 months, reverts to 20.09% p.a.
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
Save with a $0 first year annual fee and a 0% p.a. interest rate for 9 months on purchases with platinum perks.
American Express Westpac Altitude Platinum Bundle - Qantas
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)

75,000 bonus points
$249 p.a.
Up to 75,000 bonus Qantas Points when you meet the criteria with this dual Mastercard (issued by Westpac) & Amex (issued by Amex).
American Express Westpac Altitude Platinum Bundle
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)

75,000 bonus points
$199 p.a.
Collect up to 75,000 bonus Altitude Points when you meet T&Cs with Mastercard (issued by Westpac) & Amex (issued by Amex).
Westpac Altitude Platinum Card
20.49% p.a.
60,000 bonus points
$150 p.a.
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval.
Westpac Altitude Black
20.49% p.a.
80,000 bonus points
$250 p.a.
Earn 80,000 bonus Altitude Points when you meet the spend requirement. Plus, 2 yearly Priority Pass lounge invitations.
American Express Westpac Altitude Black Bundle
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)

120,000 bonus points
$449 p.a.
Up to 120,000 bonus Altitude Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a. (AMEX)

20.49% p.a. (Visa/MC)

120,000 bonus points
$499 p.a.
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
Westpac Altitude Black - Qantas
20.49% p.a.
80,000 bonus points
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
Westpac Low Fee Card
20.09% p.a.
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Receive up to 55 days interest-free on purchases and save with a $0 first year annual fee.
Westpac Lite Card
9.90% p.a.
$108 p.a.
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
20.24% p.a.
100,000 bonus points
$150 p.a.
Earn 100,000 bonus points, up to 0.5 Qantas Points per $1 spent on eligible purchases. Plus, receive up to 55 interest-free days on purchases.
Westpac Altitude Business Platinum Credit Card
4.99% p.a. for 12 months
20.24% p.a.
80,000 bonus points
$0 p.a. annual fee for the first year ($200 p.a. thereafter)
Receive 80,000 bonus Altitude Points when you spend $3,000 within 90 days from card approval. Plus, a $0 first year annual fee.
Westpac Altitude Business Gold Mastercard
4.99% p.a. for 12 months
20.24% p.a.
60,000 bonus points
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Collect 60,000 bonus points when you spend $3,000 within 90 days from card approval. Plus, a $0 first year annual fee.

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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.

  • 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. Find out more in our step-by-step guide on how to complete a balance transfer with Westpac.

Learn more about Low Rate Credit Cards

  • 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).

Learn more about Rewards Credit Cards

  • 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 card that works for you.

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 Premium Credit Cards

The benefits of banking with Westpac

Here are some of the highlights you'll get with a Westpac card:

  • 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.

  • Mastercard benefits

Get access to additional benefits, such as exclusive entertainment, travel and lifestyle offers through 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:

  • Low Fee
  • 55 Day Gold (no longer available)
  • Low Fee Platinum
  • 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.

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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. 


  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 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.


  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 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.



  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. You may like to compare other balance transfer credit cards.



  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. Please refer to the following link for how to pay your tax bill by credit card.



  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,

    • Avatarfinder Customer Care
      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.



  7. Default Gravatar
    SUSIEApril 25, 2015

    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?

    • Avatarfinder Customer Care
      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.



  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?

    • Avatarfinder Customer Care
      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.



  9. Default Gravatar
    russellMarch 16, 2015

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

    • Avatarfinder Customer Care
      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?



  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.


    • Avatarfinder Customer Care
      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.



Credit Cards Comparison

Rates last updated June 19th, 2019
Name Product Purchase rate (p.a.) Balance transfer rate Annual fee Product Description
Citi Clear Platinum Credit Card
12.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($99 p.a. thereafter)
Offers a long-term balance transfer and $0 first year annual fee. Plus, insurance covers and Citibank Dining Program perks. Ends 30 June 2019.
ME frank Credit Card
11.99% p.a.
$0 p.a.
Save money with an ongoing $0 annual fee, the same low 11.99% p.a. interest rate on purchases and cash advances, and up to 55 days interest free.
Virgin Australia Velocity Flyer Card - Annual Fee Offer
20.74% p.a.
0% p.a. for 18 months
$50 p.a.
Earn 20,000 bonus points and save with an ongoing $50 annual fee. Plus, get a $129 Virgin Australia Gift Voucher each year. Ends 30 June 2019.
Latitude Low Rate Mastercard
11.99% p.a.
$69 p.a.
Offers a competitively low interest rate and annual fee, plus up to 55 interest-free days on purchases.
Qantas Premier Everyday
19.99% p.a.
0% p.a. for 12 months
$29 p.a. annual fee for the first year ($49 p.a. thereafter)
Get up to 42,000 bonus Qantas Points (7,000/month) when you spend $1,000/month for the first 6 months. Plus, complimentary insurance covers.

Compare up to 4 providers

* 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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