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 Australia's third leading credit card issuer and has an award winning and reputable range of credit cards. It offers a variety of cards including balance transfer products to help repay your debt without the cost of interest for up to 16 months, low fee and competitive purchase rate products to keep your card costs to a minimum, rewards 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 compare your options below.

Westpac Low Rate Card

Westpac Credit Card Offer

The Westpac Low Rate credit card is a no-frills credit card from Westpac that will help you get in control of your finances. It features a low interest rate on purchases and balance transfers plus a low annual fee.

  • $59 p.a. annual fee
  • 1% p.a. for 12 months (reverts to 13.49% p.a.) on purchases
  • 0% p.a. for 16 months 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 December 10th, 2016.

Westpac Altitude Black - Exclusive Offer

New exclusive offer of 100,000 bonus Altitude or Qantas Points which is valid until 5 January 2017

October 18th, 2016

Westpac Altitude Business Platinum Credit Card

$0 annual fee for the first year offer has been extended until 31 January 2017.

November 4th, 2016

Westpac Business Choice Rewards Card - Qantas Frequent Flyer

40,000 bonus Aquire Points offer has been extended until 31 January 2017.

November 4th, 2016

View latest updates

Jonathan Choi Jonathan
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 16 months on balance transfers and 1% p.a. for 12 months on purchases.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum benefits offering complimentary insurances, 24/7 concierge, balance transfer offer of 0% p.a. for 16 months, purchase rate offer of 1% p.a. for 12 months with $0 annual fee for the first year if applied by 30 January 2017.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Westpac Altitude Platinum Card
Receive 50,000 bonus points (Altitude or Qantas Points) on eligible spend and a low balance transfer offer of 0% p.a. for 16 months. Also enjoy a low purchase offer of 1% p.a. for 12 months.
1% p.a. for 12 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
20.24% p.a. $395 p.a. Go to site More info
Westpac Altitude Black
Earn 50,000 bonus points when you spend $2,500 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits and enjoy introductory offer for balance transfers and purchases.
1% p.a. for 12 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $395 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if you apply by 30 January 2017.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) More info
Westpac Altitude Card
Enjoy a balance transfer rate offer of 0% p.a. for 16 months and 1% p.a. on purchases for 12 months.
1% p.a. for 12 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $100 p.a. More info
Westpac Altitude Business Platinum Credit Card
A platinum business card with a long term purchase rate offer of 0% p.a. for 12 months, with uncapped reward points earnings per dollar spent on eligible purchases.
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) More info
Westpac Altitude Business Gold Credit Card
Earn up to 2 reward points for every $1 spent on eligible purchases with $0 annual fee for the first year and receive complimentary insurances.
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) More info
Westpac Business Choice Rewards Card
A rewards credit card for business transactions which lets you earn uncapped Acquire Points for every dollar spent on eligible purchases and get up to 10 cards on one account.
18.99% p.a. $150 p.a. More info
Westpac Business Choice Rewards Card - Qantas Frequent Flyer
A rewards credit card for business transactions which allows you to earn Acquire Points for every dollar spent on eligible purchases.
18.99% p.a. $150 p.a. More info

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 come with 0% balance transfers for up to 16 months, which you can take advantage of when you apply for a new card. If you're struggling to repay a debt that's collecting interest, a 0% balance transfer credit card can help you repay your balance without the burden of additional interest costs. You can balance transfer up to 95% of your approved limit from up to three non-Westpac accounts. Once your application is approved, it can take up to six days for your card to arrive and an extra two days for the balance transfer to be finalised. Once the promotion ends, the balance transfer rate will revert to the standard cash advance rate. See our step-by-step guide on how to complete a balance transfer with Westpac for further information.

Rates last updated December 10th, 2016
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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Westpac Altitude Black
Earn 50,000 bonus points when you spend $2,500 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits and enjoy introductory offer for balance transfers and purchases.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 20.24% p.a.) $395 p.a. Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if you apply by 30 January 2017.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($30 p.a. thereafter) More info
Westpac Altitude Card
Enjoy a balance transfer rate offer of 0% p.a. for 16 months and 1% p.a. on purchases for 12 months.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 20.24% p.a.) $100 p.a. More info
Rates last updated December 10th, 2016
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% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Offers 0% p.a. interest rate on balance transfers for 18 months to help you manage your existing credit card balance with a reduced annual fee in the first year.
0% p.a. for 18 months 20.74% p.a. $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
0% p.a. for 15 months 19.99% p.a. $149 p.a. 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. Also, enjoy an annual fee waiver in the first year.
0% p.a. for 12 months 0% p.a. for 3 months (reverts to 19.74% p.a.) $0 p.a. annual fee for the first year ($87 p.a. thereafter) Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 13.99% p.a.) $59 p.a. Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months with a one off 3% balance transfer fee 0% p.a. for 15 months (reverts to 19.74% p.a.) $30 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
Virgin No Annual Fee Credit Card
Enjoy a long term balance transfer plus a $100 cashback offer (spend criteria applies) and never pay an annual fee for this card.
0% p.a. for 18 months with 2% balance transfer fee 18.99% p.a. $0 p.a. Go to site More info
Westpac Low Rate Card
A no frills credit card with an introductory rate of 0% p.a. for 16 months on balance transfers and 1% p.a. for 12 months on purchases.
0% p.a. for 16 months 1% p.a. for 12 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 12.74% p.a.) $99 p.a. Go to site More info
BankSA Vertigo Visa
A low interest rate card with a low annual fee, a long term balance transfer offer of 0% p.a. for 18 months and an introductory offer of 1% p.a. for 12 months on purchases.
0% p.a. for 18 months 1% p.a. for 12 months (reverts to 13.24% p.a.) $55 p.a. Go to site More info
Citi Simplicity Card
Take advantage of the 0% p.a. for 9 months offer on balance transfers, a low interest rate on purchases, an annual fee waiver for life, plus 5% cashback on retail purchases.
0% p.a. for 9 months 19.99% p.a. $0 p.a. Go to site More info
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. So whether you want to save on interest costs on when making purchases or enjoy a low annual fee (or both), you can compare low rate and low fee cards below. These cards are no-frill products that come with the basic features you need to manage your credit card costs without the weight of high interest.

Rates last updated December 10th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 16 months, an introductory purchase rate of 1% p.a. for up to 12 months, plus a waived annual fee for the first year if you apply by 30 January 2017.
1% p.a. for 12 months (reverts to 19.84% p.a.) 0% p.a. for 16 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 55 days on purchases More info
Rates last updated December 10th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
ANZ Low Rate Platinum Credit Card
$250 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Fee Card
Enjoy a low introductory rate of 0% p.a. on balance transfers and purchases for 15 months.
0% p.a. for 15 months (reverts to 19.74% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $30 p.a. Up to 44 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with no annual fee charge.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
1% p.a. for 12 months (reverts to 13.49% p.a.) 0% p.a. for 16 months $59 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum
A platinum card with a balance transfer offer of 0% p.a. for 18 months and an introductory purchase offer of 1% p.a. for 12 months with an annual fee waiver for the first year.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Coles Low Rate MasterCard
A low rate MasterCard with a competitive rate on purchases and a low annual fee.
12.99% p.a. 0% p.a. for 6 months $49 p.a. Up to 62 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 18 months and 1% p.a. for up to 12 months on purchases.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Platinum
A platinum card with a low balance transfer offer of 0% p.a. interest for 18 months and 1% p.a. for 12 months on purchases combined with complimentary insurance covers.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Australian Military Bank Low Rate Visa Credit Card
Enjoy a low interest rate of 10.99% p.a. on purchases, combined with a balance transfer offer of 0% p.a. for 12 months and a low annual fee.
10.99% p.a. 0% p.a. for 12 months $49 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
$100 Back plus 0% p.a. for the first 6 months on purchases from approval.
0% p.a. for 6 months (reverts to 13.49% p.a.) $58 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Visa
Enjoy a low balance transfer offer of 0% p.a. for 18 months and a low ongoing purchase rate from BankSA.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Up to 55 days on purchases Go to site More info
Citi Clear Platinum Card
Enjoy 0% p.a. for 9 months interest-free purchasing and 0% p.a. for 9 months on balance transfers.
0% p.a. for 9 months (reverts to 14.99% p.a.) 0% p.a. for 9 months $99 p.a. Up to 55 days on purchases Go to site More info
BankSA Vertigo Platinum
Experience Platinum card benefits with complimentary insurance policies and 24/7 Visa Platinum Concierge Service. Get 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months if you apply by 4 January 2017.
1% p.a. for 12 months (reverts to 12.74% p.a.) 0% p.a. for 18 months $99 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
Rates last updated December 10th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
ME Bank frank Credit Card
A low interest rate on purchases and cash advances with $0 annual fee for the life of the card.
11.99% p.a. $0 p.a. Up to 55 days on purchases Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Up to 55 days on purchases Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Also, receive complimentary airport lounge access and 24/7 concierge service.
19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Up to 55 days on purchases 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. Also, enjoy an annual fee waiver in the first year.
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) Up to 55 days on purchases Go to site More info
Virgin No Annual Fee Credit Card
No annual fee credit card with $100 cashback and a long term low rate balance transfer offer of 0% p.a. for 18 months with 2% balance transfer fee. Spend criteria applies for cashback offer.
18.99% p.a. 0% p.a. for 18 months with 2% balance transfer fee $0 p.a. Up to 44 days on purchases Go to site More info
American Express Qantas Discovery Card
Earn up to 7,500 bonus Qantas Frequent Flyer points, plus take advantage of no annual fee for the life of the card. Earn 1 Qantas Frequent Flyer point per $1 spend.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 44 days on purchases Go to site More info
ANZ Platinum Credit Card
Enjoy platinum card benefits with $0 annual fee in the first year and complimentary overseas travel and medical insurance.
19.74% p.a. 0% p.a. for 18 months with 3% balance transfer fee $0 p.a. annual fee for the first year ($87 p.a. thereafter) Up to 55 days on purchases Go to site More info
28 Degrees Platinum MasterCard
No annual fee for life, up to 55 days interest-free on purchases and no foreign transaction fees.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Up to 55 days on purchases Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 44 days on purchases Go to site More info
ANZ First Student Card
An ideal credit card for students with 44 days interest-free on purchases with $0 annual fee in the first year. Access your account on the go with the goMoney™ app.
19.74% p.a. $0 p.a. annual fee for the first year ($30 p.a. thereafter) Up to 44 days on purchases Go to site More info
Citi Simplicity Card
Pay no annual fee to ever, plus receive access to complimentary purchase insurance and the Citibank Dining Program.
19.99% p.a. 0% p.a. for 9 months $0 p.a. Up to 55 days on purchases Go to site More info
ANZ Frequent Flyer
Receive 25,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Plus enjoy a waived annual fee for the first year.
19.99% p.a. $0 p.a. annual fee for the first year ($95 p.a. thereafter) Up to 44 days on purchases Go to site More info
ANZ Frequent Flyer Platinum
Get 50,000 bonus Qantas Points when you apply online, are approved and spend $2,500 on eligible purchases within the first 3 months. Enjoy a waived annual fee for the first year and earn up to 1.5 Qantas Points per dollar spent.
19.99% p.a. $0 p.a. annual fee for the first year ($295 p.a. thereafter) Up to 55 days on purchases Go to site More info
  • Rewards credit cards

Westpac Altitude cardholders can earn between 1 and 2 Altitude reward points on all eligible purchases they spend. These points can then be redeemed for Velocity Points, cash back on your account, travel packs and a variety of products including fashion and beauty, homewares and appliances as well as technology and entertainment. As these cards come with an annual fee, make sure that the value you get from your rewards outweigh this cost to enjoy the full potential of your card.

Rates last updated December 10th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
Westpac Altitude Card
Enjoy a balance transfer rate offer of 0% p.a. for 16 months and 1% p.a. on purchases for 12 months.
2 1 $100 p.a. More info
Rates last updated December 10th, 2016
Rewards Points per $ spent (AMEX) Rewards Points per $ spent (VISA/MC) Bonus Points Annual fee
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 100,000 bonus points $395 p.a. Go to site More info
American Express Essential Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
1 $0 p.a. Go to site More info
HSBC Platinum Credit Card
Enjoy an annual fee refund every year if you meet the spend requirement with a balance transfer offer, high credit limits and prestige services including a personal concierge service and VISA Platinum rewards program.
0 1 $149 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
0 1 60,000 bonus points $199 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Earn bonus Velocity Points in the first 3 months plus a low balance transfer offer of 0% p.a. for 18 months
0 0.66 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
NAB Qantas Rewards Premium Card - Exclusive Offer
Get 75,000 bonus Qantas Points plus enjoy a low promotional offer of 4.99% p.a. for 6 months on balance transfers.
1.5 0.5 75,000 bonus points $250 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - 0% Interest Offer
Earn Velocity Points plus enjoy an introductory interest-free offer of 0% p.a. on purchases for 12 months, and 0% p.a. for 6 months on balance transfers.
0 0.66 $129 p.a. Go to site More info
ANZ Rewards Platinum
Earn points for every dollar spent on purchases plus a 50,000 Reward Points after your first eligible purchase is made within 3 months of card approval.
2 1 50,000 bonus points $95 p.a. Go to site More info
American Express Velocity Platinum Card
Enjoy up to 50,000 bonus Velocity Points when you meet the minimum required spend and earn up to 3 rewards points per dollar spent. Also receive a complimentary return flight every year.
1 0 50,000 bonus points $349 p.a. Go to site More info
American Express Platinum Edge Credit Card
Receive 10,000 Membership Rewards Bonus Points when you meet the minimum spend requirement. Enjoy a $200 travel credit every year and get 0% p.a. for 12 months on balance transfers.
1 0 10,000 bonus points $195 p.a. Go to site More info
ANZ Rewards Travel Adventures card
Pay no overseas transaction fee on purchases and receive complimentary domestic return flight and lounge passes each year you hold the card when you spend $500 on eligible purchases within the first three months.
2 1 $225 p.a. Go to site More info
Virgin Australia Velocity High Flyer Card - 30k Bonus Points offer
Receive 30,000 bonus Velocity Points and earn 1 Velocity Points per $1 spent. Receive an exclusive $129 Virgin Australia Gift Voucher and two complimentary Single Entry Virgin Australia domestic Lounge passes each year.
0 1 30,000 bonus points $144 p.a. annual fee for the first year ($289 p.a. thereafter) Go to site More info
American Express Qantas Discovery Card
A no annual fee frequent flyer credit card with Earn 7,500 bonus points and enjoy 0% p.a. on balance transfers for 12 months when you apply and are approved. Earn 1 Qantas Point per $1 spend.
1 0 7,500 bonus points $0 p.a. Go to site More info
American Express Velocity Escape Card
Enjoy 7,500 bonus Velocity Points when you meet the minimum spend requirement and earn up to 2 points for every $1 you spend, together with a $0 annual fee.
1 0 7,500 bonus points $0 p.a. Go to site More info
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
3 1.25 100,000 bonus points $395 p.a. Go to site More info
American Express Qantas Premium Card
Earn as much as 30,000 bonus Qantas Points when you meet the minimum spend requirement. Enjoy frequent flyer benefits including uncapped Qantas Points per $1 spent, complimentary travel insurance and Qantas Club lounge invitations.
1 0 30,000 bonus points $249 p.a. Go to site More info
David Jones American Express Platinum Card
Receive 40,000 Membership Rewards points or 30,000 Qantas Points. Plus earn up to 4 rewards point per $1 spend.
1 40,000 bonus points $295 p.a. Go to site More info
Citi Qantas Signature Credit Card
Earn up to 50,000 bonus Qantas Points when you spend $2,000 or more on eligible purchases in the first 90 days. Plus, enjoy introductory interest rates on balance transfers and purchases with a discounted annual fee of $199 in the first year.
0 1 50,000 bonus points $199 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
American Express Platinum Business Card
Receive 100,000 bonus points when you meet the minimum spend requirement and earn up to 2 Membership Rewards points for every dollar spent.
1 0 100,000 bonus points $1,500 p.a. Go to site More info

Learn more about Rewards Credit Cards

  • Black credit card

On the other end of the scale to low rate and low fee credit cards are black credit cards. Westpac was the first Australian institution to offer a black credit card to the market. These 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.

Rates last updated December 10th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Black
Earn 50,000 bonus points when you spend $2,500 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits and enjoy introductory offer for balance transfers and purchases.
VISA/MC: 1.25 AMEX: 3 Yes 1% p.a. for 12 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $395 p.a. Go to site More info
Rates last updated December 10th, 2016
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Black - Exclusive Offer
Earn 100,000 bonus points when you spend $5,000 on eligible purchases, choose between two reward programs offering Altitude or Qantas Rewards and receive premium cardholder benefits.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $395 p.a. Go to site More info
American Express Explorer Credit Card
Receive 100,000 Membership Rewards Bonus Points on eligible spend within the first 2 months of Card Membership. Also enjoy a $400 travel voucher and two complimentary airline passes per year.
2 Yes 20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $395 p.a. Go to site More info
ANZ Frequent Flyer Black
Earn 75,000 bonus Qantas Points after you spend $2,500 on eligible purchases within the first 3 months plus enjoy $0 annual fee for the first year. Plus, enjoy easy payments with Apple Pay.
VISA/MC: 0.75 AMEX: 1.5 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
ANZ Rewards Black Credit Card
Earn 75,000 Reward Points after your first eligible purchase within the first three months. Up to 3 reward points per dollar spent and unlimited access to airport lounges with complimentary travel insurance.
VISA/MC: 1.25 AMEX: 3 Yes 18.79% p.a. $375 p.a. Go to site More info
Citi Prestige Card
Receive 70,000 bonus reward points on your first spend with uncapped rewards points and no points expiry.
2 Yes 20.99% p.a. 0% p.a. for 6 months $700 p.a. Go to site More info

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:

    • Get rewarded with Altitude Rewards

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 for cash back on your account or redeeming them for products and perks through the Altitude Rewards store.

    • Protection from fraud

You can shop with peace of mind knowing that the Westpac Security Guarantee covers you if you’re the victim of credit card fraud while shopping online. Westpac Falcon also monitors your account for suspicious activity 24/7 and will notify you immediately if they identify an issue. Otherwise, if they can't get in touch with you, they'll block the account to protect your finances.

    • 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.

    • 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

  • 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 account’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, and 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 or St.George credit card to a Westpac credit card?

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.

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Read more on this topic

American Express Essential Credit Card
American Express Essential Credit Card

Interest rate

14.99

Annual fee

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ME Bank frank Credit Card
ME Bank frank Credit Card

Interest rate

11.99

Annual fee

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HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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36 Responses to Westpac Credit Cards

  1. Default Gravatar
    Adam | July 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
      May | August 2, 2016

      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
    vince | July 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
      May | July 21, 2016

      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
      Jonathan | February 3, 2016

      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
      Jonathan | November 6, 2015

      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
    Abdul | August 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
      Jonathan | August 24, 2015

      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.com | August 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
      Jonathan | August 19, 2015

      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
    SUSIE | April 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
      Jonathan | April 29, 2015

      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
    Marjorie | April 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
      Elizabeth | April 15, 2015

      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
    russell | March 16, 2015

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

    • Staff
      Jonathan | March 16, 2015

      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
    Jen | February 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
      Jonathan | March 2, 2015

      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 December 10th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
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
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info
HSBC Platinum Qantas Credit Card
Receive 60,000 bonus Qantas Points on eligible spend within 3 months. Enjoy access to premium benefits and complimentary insurance.
19.99% p.a. $199 p.a. 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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