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 one of Australia's large credit card issuers. It offers a variety of cards including balance transfer products to help repay your debt without the cost of interest for a promotional period, low fee and competitive purchase rate products to keep your card costs to a minimum, reward 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 weigh up your options below.

Westpac Low Rate Card - Online Only Balance Transfer Offer

Westpac Credit Card Offer

The Westpac Low Rate credit card 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 get approved, plus a low annual fee.

  • $59 p.a. annual fee
  • 13.49% p.a. on purchases
  • 0% p.a. for 24 months with 2% balance transfer fee 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 May 27th, 2017.

Westpac Altitude Black - Altitude Qantas

Bonus points offer has been changed from 50,000 to 80,000 and is valid until 28 June 2017.

April 21st, 2017

Westpac 55 Day Platinum Credit Card

First year annual fee waiver + 0% promotional interest rates have been extended until 28 June 2017.

April 21st, 2017

Westpac Altitude Business Gold Credit Card

$0 first year annual fee, introductory purchase and BT offers have been extended until 31 May 2017

May 1st, 2017

View latest updates

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Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Low Rate Card - Online Only Balance Transfer Offer
Take advantage of 0% p.a. for 24 months on balance transfers with a 2% BT fee. Plus, the convenience of the Westpac mobile banking app.
13.49% p.a. 0% p.a. for 24 months with 2% balance transfer fee $59 p.a. Go to site More info
Westpac Low Rate Card
Save with 13.49% p.a. on purchases. Also enjoy a low $59 annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum card benefits offering 0% p.a. introductory rate on purchases and balance transfers, combined with an annual fee waiver in the first year.
0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Westpac Altitude Platinum Card
Earn up to 2 Altitude Points per $1 spent and receive 24/7 personal concierge services.
20.24% p.a. $150 p.a. Go to site More info
Westpac Altitude Black
Earn 80,000 bonus Altitude points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 28 June 2017.
20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Westpac Altitude Black - Altitude Qantas
Earn 80,000 bonus Qantas points when you reach a minimum spend of $5,000 on eligible purchases. Offer ends 28 June 2017.
20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 12 months, an introductory purchase rate of 0% p.a. for up to 6 months, plus a waived annual fee for the first year if you apply by 28 June 2017.
0% p.a. for 6 months (reverts to 19.84% p.a.) 0% p.a. for 12 months $0 p.a. annual fee for the first year ($30 p.a. thereafter) More info
Westpac Altitude Card
Enjoy a balance transfer offer of 0% p.a. for 12 months and 0% p.a. on purchases for 6 months.
0% p.a. for 6 months (reverts to 20.24% p.a.) 0% p.a. for 12 months $100 p.a. More info
Westpac Altitude Business Platinum Credit Card
A platinum business card with a long-term purchase rate offer, a waived annual fee for the first year (if applied online), plus uncapped reward points earnings per $1 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 and enjoy $0 annual fee for the first year combined with introductory rates on purchases and balance transfers.
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 BusinessChoice Rewards Card
A rewards credit card for business transactions which lets you earn uncapped Qantas Points and 80,000 sign up bonus points after your first eligible purchase on your card.
18.99% p.a. $150 p.a. More info
Westpac BusinessChoice 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 offer 0% balance transfers for a promotional period. You can use these cards to transfer debt from up to three non-Westpac products as long as they don't exceed 95% of your approved credit limit. Once your application is approved, you can expect your card to arrive and the balance transfer to be finalised within a week or so. The promotional period begins immediately, so you'll enjoy 0% interest on your balance transfer until the end of the promotional period. Once the introductory offer ends, the balance transfer rate will revert to the standard purchase rate. See our step-by-step guide on how to complete a balance transfer with Westpac for further information.

Rates last updated May 27th, 2017
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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Westpac Low Rate Card
Save with 13.49% p.a. on purchases. Also enjoy a low $59 annual fee.
0% p.a. for 12 months 0% p.a. for 6 months (reverts to 13.49% p.a.) $59 p.a. Go to site More info
Westpac 55 Day Platinum Credit Card
Enjoy platinum card benefits offering 0% p.a. introductory rate on purchases and balance transfers, combined with an annual fee waiver in the first year.
0% p.a. for 12 months 0% p.a. for 6 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($90 p.a. thereafter) Go to site More info
Westpac Altitude Platinum Card
Earn up to 2 Altitude Points per $1 spent and receive 24/7 personal concierge services.
20.24% p.a. $150 p.a. Go to site More info
Westpac Altitude Card
Enjoy a balance transfer offer of 0% p.a. for 12 months and 0% p.a. on purchases for 6 months.
0% p.a. for 12 months 0% p.a. for 6 months (reverts to 20.24% p.a.) $100 p.a. More info
Westpac Altitude Business Platinum Credit Card
A platinum business card with a long-term purchase rate offer, a waived annual fee for the first year (if applied online), plus uncapped reward points earnings per $1 spent on eligible purchases.
4.99% p.a. for 12 months 0% p.a. for 12 months (reverts to 20.24% p.a.) $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 and enjoy $0 annual fee for the first year combined with introductory rates on purchases and balance transfers.
4.99% p.a. for 12 months 0% p.a. for 12 months (reverts to 20.24% p.a.) $0 p.a. annual fee for the first year ($150 p.a. thereafter) More info
Westpac 55 Day credit card
Enjoy a balance transfer offer of 0% p.a. for 12 months, an introductory purchase rate of 0% p.a. for up to 6 months, plus a waived annual fee for the first year if you apply by 28 June 2017.
0% p.a. for 12 months 0% p.a. for 6 months (reverts to 19.84% p.a.) $0 p.a. annual fee for the first year ($30 p.a. thereafter) More info
Rates last updated May 27th, 2017
$
% p.a.

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Balance transfer rate (p.a.) Purchase rate (p.a.) Annual fee Interest Saved
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each 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
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
0% p.a. for 22 months with 2% balance transfer fee 19.99% p.a. $99 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
St.George Vertigo Visa
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
0% p.a. for 14 months 13.24% p.a. $0 p.a. annual fee for the first year ($55 p.a. thereafter) Go to site More info
HSBC Low Rate Credit Card
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
0% p.a. for 15 months with 2% balance transfer fee 13.25% p.a. $55 p.a. Go to site More info
NAB Low Rate Credit Card
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
0% p.a. for 18 months with 3% balance transfer fee 13.99% p.a. $59 p.a. Go to site More info
Citi Rewards Platinum Credit Card
A long-term balance transfer offer with the Citi Rewards Platinum Card. Earn extra points on eligible international spend, plus complimentary travel insurance.
0% p.a. for 24 months with 1.5% balance transfer fee 20.99% p.a. $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
NAB Premium Card
Benefit from premium credit card advantages including travel insurance, Platinum Concierge Service plus 0% p.a. for 24 months on balance transfers.
0% p.a. for 24 months with 3% balance transfer fee 19.74% p.a. $90 p.a. Go to site More info
American Express Essential®  Credit Card
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
0% p.a. for 12 months with 1% balance transfer fee 14.99% p.a. $0 p.a. Go to site More info
NAB Low Fee Card
A low annual fee card with 0% p.a. on balance transfers for 18 months.
0% p.a. for 18 months with 3% balance transfer fee 19.74% p.a. $30 p.a. Go to site More info
St.George Vertigo Platinum
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
0% p.a. for 20 months 12.74% p.a. $99 p.a. Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
0% p.a. for 16 months with 2% balance transfer fee 11.49% p.a. $99 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. As you'll see below, some cards come with 0% purchase rates for promotional periods, interest-free day offers and waived annual fees for the first year.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Westpac 55 Day Platinum Credit Card
0% p.a. for 6 months (reverts to 19.84% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
0% p.a. for 12 months
Enjoy platinum card benefits offering 0% p.a. introductory rate on purchases and balance transfers, combined with an annual fee waiver in the first year.
Westpac 55 Day credit card
0% p.a. for 6 months (reverts to 19.84% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
0% p.a. for 12 months
Enjoy a balance transfer offer of 0% p.a. for 12 months, an introductory purchase rate of 0% p.a. for up to 6 months, plus a waived annual fee for the first year if you apply by 28 June 2017.
Westpac Altitude Business Platinum Credit Card
0% p.a. for 12 months (reverts to 20.24% p.a.)
Up to 45 days on purchases
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
4.99% p.a. for 12 months
A platinum business card with a long-term purchase rate offer, a waived annual fee for the first year (if applied online), plus uncapped reward points earnings per $1 spent on eligible purchases.
Westpac Altitude Business Gold Credit Card
0% p.a. for 12 months (reverts to 20.24% p.a.)
Up to 45 days on purchases
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
4.99% p.a. for 12 months
Earn up to 2 reward points for every $1 spent and enjoy $0 annual fee for the first year combined with introductory rates on purchases and balance transfers.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.

Compare up to 4 providers

Learn more about Low Rate Credit Cards
Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Receive a $50 credit on eligible spend and get Smartphone screen insurance when you pay for your phone or contract.
Citi Simplicity Card
19.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 6 months
Receive access to complimentary purchase insurance and free bottles of wine with the Citibank Dining Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Get up to 55 interest-free days on purchases and an additional card for $0.
Coles Platinum No Annual Fee Mastercard
19.99% p.a.
Up to 62 days on purchases
$0 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop if you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Get up to 55 interest-free days on purchases and an additional card for $0.
ANZ Platinum Credit Card - Exclusive Offer
0% p.a. for 3 months (reverts to 19.74% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($87 p.a. thereafter)
0% p.a. for 12 months
Pay 0% p.a. for 3 months on purchases and receive platinum perks including complimentary travel and purchase insurance.
ANZ Frequent Flyer Black
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($425 p.a. thereafter)
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months.
Qantas American Express Discovery Card
20.74% p.a.
Up to 44 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
Earn an uncapped 1 Qantas Frequent Flyer point per $1 spent, plus complimentary purchase insurance.
HSBC Platinum Credit Card
19.99% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 22 months with 2% balance transfer fee
Earn 1.00 Reward Point per $1 spent and gain access to the Visa Platinum concierge service and Visa Entertainment.
ANZ Frequent Flyer Platinum
19.99% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($295 p.a. thereafter)
Get 50,000 when you apply online, are approved and spend $2,500 on eligible purchases in the first 3 months.
NAB Rewards Platinum Card
19.99% p.a.
Up to 44 days on purchases
$0 p.a. annual fee for the first year ($195 p.a. thereafter)
4.99% p.a. for 6 months
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
ANZ Rewards Platinum
18.79% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($95 p.a. thereafter)
Receive 50,000 bonus Reward Points when you spend $2,500 within the first 3 months from card approval.
Westpac 55 Day Platinum Credit Card
0% p.a. for 6 months (reverts to 19.84% p.a.)
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($90 p.a. thereafter)
0% p.a. for 12 months
Enjoy platinum card benefits including a 24/7 concierge service and complimentary insurance covers.
Bankwest Zero Platinum Mastercard
17.99% p.a.
Up to 55 days on purchases
$0 p.a.
2.99% p.a. for 9 months
Includes complimentary travel insurance, a 24/7 Concierge service and $0 foreign transaction fees.

Compare up to 4 providers

  • Rewards credit cards

Westpac offers a variety of products for cardholders looking to earn Altitude reward points as they spend. Some of these cards also come with bonus points offers to help you kickstart your rewards balance early. Earn rates and bonus points offer vary between products, though, so you should compare your options to find the card that offers you the most points potential. You can redeem your points through the Altitude rewards store for anything from homewares and beauty products to gadgets and travel goods. Frequent flyers also have the option to exchange their Altitude points for Velocity Points, Asia Miles, Airpoints, Malaysia Airlines Enrich miles or Singapore Airlines KrisFlyer miles. Some of these cards also allow you to opt to earn either Altitude points or Qantas Points, the latter of which you can redeem for flight rewards and other perks through the Qantas Frequent Flyer program.

Rates last updated May 27th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Westpac Altitude Platinum Card
Earn up to 2 Altitude Points per $1 spent and receive 24/7 personal concierge services.
1 2 60,000 bonus points $150 p.a. Go to site More info
Westpac Altitude Card
Enjoy a balance transfer offer of 0% p.a. for 12 months and 0% p.a. on purchases for 6 months.
1 2 $100 p.a. More info
Westpac Altitude Business Platinum Credit Card
A platinum business card with a long-term purchase rate offer, a waived annual fee for the first year (if applied online), plus uncapped reward points earnings per $1 spent on eligible purchases.
1 3 $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 and enjoy $0 annual fee for the first year combined with introductory rates on purchases and balance transfers.
1 2 $0 p.a. annual fee for the first year ($150 p.a. thereafter) More info
Westpac BusinessChoice Rewards Card
A rewards credit card for business transactions which lets you earn uncapped Qantas Points and 80,000 sign up bonus points after your first eligible purchase on your card.
0.66 80,000 bonus points $150 p.a. More info
Rates last updated May 27th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
NAB Rewards Platinum Card
Earn 1 NAB Rewards Point per $1 spent and receive double points on purchases made in major department and hardware stores.
1 80,000 bonus points $0 p.a. annual fee for the first year ($195 p.a. thereafter) Go to site More info
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 75,000 bonus points $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
Citi Rewards Platinum Credit Card
Consolidate your debt with a low balance transfer offer of 0% p.a. for 24 months and a host of platinum privileges. Earn 1 Citi Reward Points for every $1 spent on eligible domestic and international spend.
1 0 $49 p.a. annual fee for the first year ($149 p.a. thereafter) Go to site More info
HSBC Platinum Qantas Credit Card
Fly faster with up to 1 Qantas Point per $1 spent and receive bonus Qantas Points on selected Qantas products, services and partners.
1 0 60,000 bonus points $199 p.a. Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every year.
2 50,000 bonus points $395 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.
1 0 $99 p.a. Go to site More info
St.George Amplify Signature
Receive up to 90,000 bonus Amplify points on eligible spend and earn up to 3 reward points per $1 spent on eligible purchases.
1.5 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Platinum
Earn up to 50,000 bonus Reward Points when you spend $2,500 in the first 3 months plus $0 in the first year.
1.5 50,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Platinum - Qantas Rewards
Fly faster with up to 1.000 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
St.George Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 60,000 bonus points $99 p.a. Go to site More info
American Express Velocity Platinum Card
Take off sooner with up to 2.5 Velocity Points per $1 spent and receive a complimentary Virgin Australia return domestic flight every year.
0 1.5 100,000 bonus points $375 p.a. Go to site More info
St.George Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
ANZ Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 75,000 bonus points $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Bank of Melbourne Amplify Signature - Amplify Qantas
Fly faster with up to 1.500 Qantas Point per $1 spent and receive 2 complimentary Qantas Lounge Passes.
0.75 0 90,000 bonus points $279 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
0.66 0 $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
BankSA Amplify Signature - Amplify Qantas
Fly faster with up to 1.5 Qantas Points per $1 spent and instantly become a Visa Luxury Hotel Collection member.
0.75 0 $279 p.a. Go to site More info
NAB Rewards Classic Card
Earn 0.75 NAB Rewards Point per $1 spent and receive complimentary purchase protection insurance.
0.75 40,000 bonus points $0 p.a. annual fee for the first year ($95 p.a. thereafter) Go to site More info
BankSA Amplify Platinum - Amplify Qantas
Fly faster with up to 1 Qantas Point per $1 spent and receive complimentary overseas travel insurance.
0.5 0 $99 p.a. Go to site More info
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
1.25 3 80,000 bonus points $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
BankSA Amplify Platinum
Earn up to 2 Amplify Rewards Points per $1 spent and receive complimentary travel insurance.
1 $99 p.a. Go to site More info

Learn more about Rewards Credit Cards

  • Black credit card

Black 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 May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Black
Earn up to 3 Altitude Points per $1 spent and enjoy up to four complimentary airport lounge visits each year.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Rates last updated May 27th, 2017
Points per $ spent Complimentary Travel Insurance Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
ANZ Frequent Flyer Black
Receive 75,000 bonus Qantas Points when you spend $2,500 on eligible purchases within the first 3 months, plus earn up to 1 point for every dollar spent on eligible purchases. Also, earn 75 Bonus Status Credits when you apply by 30 June 2017, buy and fly return with Qantas by 30 September 2017.
1 Yes 19.99% p.a. $0 p.a. annual fee for the first year ($425 p.a. thereafter) Go to site More info
American Express Explorer® Credit Card
Earn up to 2 Membership Rewards Points per $1 spent and receive a $400 Travel Credit every 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 Rewards Black Credit Card
This card offers 75,000 bonus points when you spend $2,500 on eligible purchases in the first 3 months from approval and $0 annual fee for the first year. Earn up to 2 reward points per $1 spent and unlimited access to airport lounges with complimentary travel insurance.
2 Yes 18.79% p.a. $0 p.a. annual fee for the first year ($375 p.a. thereafter) Go to site More info
Westpac Altitude Black
A credit card that lets you choose between Altitude or Qantas Points. Receive dedicated concierge services, complimentary Priority Pass giving you access to over 600 VIP airport lounges.
VISA/MC: 1.25 AMEX: 3 Yes 20.24% p.a. $195 p.a. annual fee for the first year ($395 p.a. thereafter) Go to site More info
Bendigo Bank Basic Black Credit Card
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
VISA/MC: 0 AMEX: 0 No 12.24% p.a. $45 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:

    • Earn points as you spend

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 to pay with points on your account or redeeming them for products and perks 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 covers can 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 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.

  • 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.

    • 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 and information

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.

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.

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.

As they're owned by Westpac, you can't transfer balances from BankSA, St.George or Bank of Melbourne between eachother or to other Westpac cards. You can compare the cards you can and can't transfer between here.

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.

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.

The annual fee is generally charged to the first statement period, and to the anniversary of that statement after that.

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 Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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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 May 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Exclusive Offer
Earn 2 Velocity Points on top of the standard earn rate per $1 spent within the first 3 months, plus a $129 Virgin Australia Gift Voucher each year.
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
HSBC Platinum Credit Card
Earn 1 Reward Point per $1 spent and receive an annual fee refund with minimum spend.
19.99% p.a. 0% p.a. for 22 months with 2% balance transfer fee $99 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 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) Go to site More info
NAB Premium Card
An introductory rate of 0% p.a. for 24 months on balance transfers combined with premium benefits such as travel insurance covers.
19.74% p.a. 0% p.a. for 24 months with 3% balance transfer fee $90 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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