Westpac Credit Cards

From saving with low interest rates and fees to earning reward points as you spend, compare Westpac credit cards to find the right card for you.

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Westpac offers a wide range of credit cards, including balance transfer cards with low or promotional 0% interest rates, low purchase rate cards, low fee cards and rewards or frequent flyer credit cards that reward you for your spending. There are also platinum and black credit cards that offer more premium perks. Use this guide to compare rates, fees and current offers.

Westpac Credit Card Offer

Westpac Low Rate Card

0% p.a. for 28 months on balance transfers
$0 annual fee for the first year

Offer ends 30 November 2021

Eligibility criteria, terms and conditions, fees and charges apply

Westpac Credit Card Offer

The Westpac Low Rate credit card features a long-term balance transfer offer plus a first-year annual fee waiver.

  • $0 first-year annual fee ($59 p.a. thereafter)
  • 0% p.a. for 28 months on balance transfers with a one-time 1% BT fee, (reverts to 21.49% p.a.)
  • Variable interest rate of 13.74% p.a. on purchases
  • Add one additional cardholder at no extra cost
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Comparison of Westpac Bank Credit Cards

Name Product Purchase rate Interest-free period Annual fee Balance transfer rate
Westpac Low Rate Card
13.74% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($59 p.a. thereafter)
0% p.a. for 28 months with 1% balance transfer fee
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Westpac Altitude Platinum Qantas
20.49% p.a.
Up to 45 days on purchases
$149 annual fee for the first year ($200 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a 0% balance transfer offer.
Westpac Altitude Black
20.49% p.a.
Up to 45 days on purchases
0% p.a. for 18 months with 1% balance transfer fee
Earn 150,000 bonus Altitude Points when you spend $4,000 within the first 90 days. Plus, save with 0% interest on balance transfers.
Westpac Altitude Platinum Card
20.49% p.a.
Up to 45 days on purchases
$49 annual fee for the first year ($150 p.a. thereafter)
0% p.a. for 22 months with 1% balance transfer fee
Get 130,000 bonus Altitude Points (worth $450 cashback) when you spend $3,000 in the first 90 days, a 0% balance transfer offer and a $49 discounted annual fee.
Westpac Altitude Black - Velocity
20.49% p.a.
Up to 45 days on purchases
0% p.a. for 18 months with 1% balance transfer fee
Up to 120,000 bonus Velocity Points (90,000 points when you spend $4,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Altitude Black - Qantas
20.49% p.a.
Up to 45 days on purchases
0% p.a. for 18 months with 1% balance transfer fee
Up to 120,000 bonus Qantas Points (90,000 points when you spend $4,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Low Fee Platinum Card
20.09% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($90 p.a. thereafter)
6.99% p.a. for 12 months
Save with a $0 first year annual fee and up to 55 days interest-free on purchases with platinum perks.
Westpac Low Fee Card
0% p.a. for 15 months, reverts to 20.09% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($30 p.a. thereafter)
6.99% p.a. for 12 months
Save with a 0% interest on purchases for 15 months, plus a $0 annual fee for the first year.
Westpac Altitude Platinum Velocity
20.49% p.a.
Up to 45 days on purchases
$149 annual fee for the first year ($200 p.a. thereafter)
0% p.a. for 18 months with 1% balance transfer fee
Get 60,000 bonus Velocity Points when you spend $3,000 within 90 days. Plus, a discounted $149 first-year annual fee.
Westpac Lite Card
9.9% p.a.
Up to 45 days on purchases
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.
Westpac BusinessChoice Rewards Platinum Mastercard
20.24% p.a.
Up to 55 days on purchases
Earn 0.5 Qantas Points per $1 spent on eligible business purchases. Plus, enjoy complimentary insurances and uncapped points.

Westpac Altitude Business Platinum Credit Card
20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($200 p.a. thereafter)
4.99% p.a. for 12 months
Enjoy a $0 first-year annual fee and 4.99% p.a. on balance transfers for 12 months.
Westpac Altitude Business Gold Mastercard
20.24% p.a.
Up to 55 days on purchases
$0 annual fee for the first year ($150 p.a. thereafter)
4.99% p.a. for 12 months
Save with a $0 annual fee for the first year and 4.99% p.a. on balance transfers for (( BALANCE_TRANSFER.BAL_TRANSFER_PERIOD )) months.

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Types of credit cards from Westpac

Whether you want to earn points for your spending or are looking for a low-cost credit card, Westpac offers cards that are designed to suit a variety of goals. Depending on the card you choose, you could also enjoy a promotional 0% interest rate on balance transfers or purchases or get thousands of bonus points through an introductory offer. Here, you can look at the different types of Westpac credit cards to see if there's one that suits your needs.

  • Low rate and low fee credit cards

These Westpac cards can help you save on standard credit card costs by offering competitive rates and fees. Some cards also come with 0% purchase rates for promotional periods, interest-free day offers and waived annual fees for the first year.

Some Westpac credit cards offer low or 0% interest rates on balance transfers for an introductory period. You can use these cards to transfer debt from up to three non-Westpac credit, store or charge cards, although the total amount you transfer cannot be more than 80% of your approved credit limit with Westpac. Once the introductory offer ends, the balance transfer rate will revert to the standard cash advance rate for that card.

  • Rewards credit cards

Westpac Altitude Rewards credit cards let you earn points per $1 spent on eligible everyday purchases. You can redeem your points through the Altitude rewards store for anything from homewares and beauty products to gadgets and travel goods. If you're a frequent flyer, you can also transfer Altitude points for Asia Miles, Airpoints, Malaysia Airlines Enrich Miles or Singapore Airlines KrisFlyer Miles. Westpac Altitude Rewards cards also let you earn Qantas Points if you opt-in to Altitude Qantas (instead of Altitude Rewards).

  • Platinum and Black credit cards

Westpac platinum and black credit cards come with complimentary extras including overseas travel insurance, transit accident insurance, purchase insurance covers and access to a priority service phone line. These benefits vary between premium options. For example, you can get up to 6 months international travel insurance when you pay for your return overseas tickets with the Westpac Low Fee Platinum, while you'll get up to 3 months with the Westpac Altitude Platinum. Other features, rates and fees also vary, so comparing these details will help you find a platinum credit card that works for you.

The Westpac Altitude Black card offers the highest tier of rewards or frequent flyer points earning and is packed with extras including complimentary 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.

Benefits of getting a credit card with Westpac

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

  • Mobile contactless payments

Westpac offers compatibility with Google Pay, Samsung Pay, Apple Pay, Fitbit Pay and Garmin Pay. This means you can enjoy the convenience of making contactless payments with your eligible smartphone or wearable device at the checkout.

  • Mastercard benefits

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

  • Westpac SmartPlan credit card instalment plans

Westpac SmartPlan lets you pay off your credit card balance in regular, monthly instalments. This means you'll pay the same amount for your plan each month. Some SmartPlans also offer a reduced interest rate.

There are two types of SmartPlans you can choose from:

  • Large Purchase SmartPlan. This type of plan is designed to help you pay off individual big-ticket items bought with your credit card, such as a new laptop, flights or hotel bookings. You can set up a Large Purchase SmartPlan for any single purchase worth $500 or more as long as it's been made in the past 30 days. Establishment fees apply.
  • Balance SmartPlan. This option allows you to set up instalments for any credit card balance of $200 or more.

You can set up a Westpac SmartPlan in a few clicks through online banking or the Westpac App.

How do I cancel my Westpac SmartPlan?

You can cancel your SmartPlan at any time through Westpac online banking or the Westpac app. There are no cancellation fees and it will take up to 2 business days to confirm the cancellation.

  • Protection from fraud

You can shop with peace of mind knowing that Westpac's security services protect you if you're the victim of credit card fraud. The online transaction security guarantee will ensure you're not liable for transactions made without your knowledge or consent online. Plus, 24/7 fraud protection will monitor your account for irregular activity and CHIP technology can protect your card from counterfeit or skimming fraud.

  • The Westpac Global ATM Alliance network

When you get a Westpac credit card, you can use it to withdraw cash for free at ATMs that are part of the Westpac Group. This includes ATMs offered by Westpac, St.George, BankSA and Bank of Melbourne. You can also save on ATM withdrawal fees worldwide thanks to the Westpac Global ATM alliance.

  • Annual fee waiver

With the Home Loan Premier Advantage Package, pay no annual fee on any one of the following credit cards:

  • Low Fee
  • 55 Day Gold (no longer available)
  • Low Fee Platinum
  • Altitude (including Altitude Qantas)
  • Altitude Platinum (including Altitude Qantas Platinum)
  • Altitude Black (including Altitude Qantas Black)
  • Earth (no longer available)
  • Earth Platinum (no longer available)
  • Earth Black (no longer available)
  • Low Rate

There is only one fee waiver on a credit card per Premier Advantage package.

How to apply for a Westpac credit card

If you've compared your options and want to apply for a Westpac credit card, start by making sure you meet the eligibility requirements for your chosen card. If you meet these requirements, you can apply for your Westpac credit card online in around 10 minutes when you have the following details and documents on hand.

Required details and documents

Some of the information and documents you'll need to provide include:

  • Personal information. You’re required to provide Westpac with information about your current (and sometimes previous) address, your full name, date of birth and details about your current living situation, like whether you have any dependents, whether you rent and more.
  • Financial details. Westpac also needs information about your finances in order to assess your application for credit. Be prepared to provide information about your income, your employer, whether you have any debt and your ongoing expenses.
  • Balance transfer information. If you want to transfer a balance to a Westpac credit card, you’ll need to provide information about the credit card you want to transfer from.
  • Self-employed. Self-employed applicants are required to provide recent tax returns or their accountant’s details.

Frequently asked questions

If you have a question about Westpac credit cards, use the form below to get in touch with us. Alternatively, you can check the frequently asked questions about Westpac credit cards for an answer.

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36 Responses

    Default Gravatar
    AdamJuly 23, 2016

    Hi , I’m a sole trading carpenter with a registered active Abn my credit score is around 680 . I earn $120ph and pay out $32cash to my labourer from the $120 , that is including tax . I am just wondering if I would need financials or bas statements to apply for a credit card or could i just provide access to my banking statements ? I also do a lot of cash work for friends so my income doesn’t seem all that regular on paper however Iv always got plenty of work . What is the likely hood of me getting approved for this credit ?

      Avatarfinder Customer Care
      MayAugust 2, 2016Staff

      Hi Adam,

      Thanks for your inquiry.

      Sorry for the delayed response. Most credit card companies vary when it comes to setting eligibility requirements and criteria. But generally, your approval will be based on their assessment of your income, credit rating and ability to repay.

      As finder.com.au does not represent Westpac (or any other credit card company), we won’t be able to advise if you will be approved for a Westpac credit card or not. You’d be best if you contact Westpac directly and discuss your chances of approval before you submit your application. That way, you can avoid enquiries on your credit file and you’ll be able to keep it healthy. 


    Default Gravatar
    vinceJuly 17, 2016

    if i use my earth black master card on a overseas holiday does the credit card travel insurance cover the costs of cancellations or accidents while i am overseas and which insurance company does westpac go through

      Avatarfinder Customer Care
      MayJuly 21, 2016Staff

      Hi Vince,

      Thanks for your question.

      As your Westpac Black Earth MasterCard comes with complimentary travel insurance, so yes, you are covered for the international travel insurance for accidents and cancellations, provided that before you leave Australia on your overseas trip, you use your card to purchase your ticket and prepaid travel cost for at least AU$500.

      The insurance company that provides the cover for Westpac cardholders is QBE Insurance.

      Please feel free to read Westpac complimentary travel insurance guide to learn more details.

      I hope this has helped.


    Default Gravatar
    GeoffreyFebruary 3, 2016

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

      Avatarfinder Customer Care
      JonathanFebruary 3, 2016Staff

      Hi Geoffrey,

      Thanks for your inquiry!

      The standard market offer with the Westpac Altitude Black credit card requires an annual fee of $395 p.a.
      Shareholders receive the following exclusive benefits with Altitude credit cards:

      Receive more bonus Altitude points than nonshareholder customers upon initial activation of any new card in the Altitude range.

      7,500 bonus points with Altitude (5,000 points for regular cardholders) and Altitude Business Limited Edition.
      12,500 bonus points with Altitude Gold (10,000 points for regular cardholders) and Altitude Business Limited Edition Gold.
      20,000 bonus points with Altitude Platinum (15,000 points for regular cardholders).

      To receive the respective exclusive points benefit when applying, quote or enter the promotional code WAAQM.

      I hope this helps.



    Default Gravatar
    JocelynNovember 5, 2015

    Hi, I would like to apply for a $0 balance credit card. Paying out an Ignite account. This account was initially through Virgin credit cards, however, Westpac took over Virgin + it was changed to Ignite. Am I able to apply for $0 balance transfer from Westpac or do I need to go through another bank? I don’t consider myself an existing customer, as it was not Westpac whom we initially applied for the Virgin card. What is your knowledge of this?

      Avatarfinder Customer Care
      JonathanNovember 6, 2015Staff

      Hi Jocelyn,

      Thanks for your inquiry!

      This balance transfer transaction would be incompatible since the Ignite card is under Westpac. Our handy guide on banks you can balance transfer to will serve as your reference before moving your balance to another card. You can also see a list of balance transfer credit cards to compare. Select Go to Site if you are ready to apply. Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before applying.


    Default Gravatar
    AbdulAugust 22, 2015

    i have your krisflyer credit card visa and amex. do i earn points for payments made to ATO and City council accounts?

      Avatarfinder Customer Care
      JonathanAugust 24, 2015Staff

      Hi Adbul,

      Thanks for your inquiry.

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

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


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