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Westpac Credit Cards

Westpac offers credit cards you can compare for all kinds of goals, including 0% balance transfer offers, bonus points, low-cost options and business credit cards.

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Amy Bradney-George

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Westpac is one of Australia's Big Four Banks and offers credit cards for everyday spending, as well as cards for businesses. If you're a new customer, you can also compare Westpac credit card introductory offers that can give you cashback, bonus points or a promotional 0% interest rate.

Westpac Credit Card Offer

Westpac Low Rate Card - Cashback Offer

Receive up to $350 cashback

Offer ends 30 April 2024

Eligibility criteria, terms and conditions, fees and charges apply

Westpac Credit Card Offer

Receive up to $350 cashback when you meet the spend requirement. Plus, a low ongoing 13.74% p.a. purchase interest rate.

  • $50 cashback each month you spend $1,000 on eligible purchases within the first 7 statement periods
  • Annual fee: $59 p.a. for primary cardholder and $0 p.a. for additional cardholder
  • Purchase rate: 13.74% p.a. | Cash advance rate: 21.49% p.a.
  • Minimum credit limit: $500 | Up to 55 days interest-free
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Westpac Bank Credit Card Comparison

Updated regularly
Name Purchase rate p.a. Bonus points Points per $ spent Interest-free period Balance transfer rate p.a. Annual fee
Westpac Low Rate Card - Cashback Offer
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$59
Go to siteMore Info
 A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Altitude Black
Westpac Altitude Rewards
Purchase rate p.a.
19.99%
Bonus points
150,000
Points per $ spent
1.25
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$150 first year ($295 after)
Go to siteMore Info
 Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).
Westpac Low Rate Card
Purchase rate p.a.
13.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
0% for 28 months, then 21.49%
Annual fee
$59
Go to siteMore Info
 Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.
Westpac Altitude Platinum Card
Westpac Altitude Rewards
Purchase rate p.a.
19.99%
Bonus points
120,000
Points per $ spent
1
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$49 first year ($175 after)
More Info
 Up to 120,000 bonus Altitude Points (90,000 points when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Altitude Platinum Qantas
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
70,000
Points per $ spent
0.5
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$174 first year ($250 after)
More Info
 Get 70,000 bonus Qantas Points when you spend $4,000 in the first 90 days. Plus, a discounted annual fee in the first year.
Westpac Flex Card
Purchase rate p.a.
0%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Balance transfer rate p.a.
Annual fee
$0
More Info
 Offers a $1,000 credit limit, 0% foreign transaction fees and $0 monthly fee when you pay the previous month's balance in full.
Westpac Altitude Black - Velocity
Velocity Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
120,000
Points per $ spent
0.75
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$370
More Info
 Up to 120,000 bonus Velocity Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Westpac Altitude Black - Qantas
Qantas Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
120,000
Points per $ spent
0.75
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$370
More Info
 Up to 120,000 bonus Qantas Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Westpac Low Fee Card
Purchase rate p.a.
19.74%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$0 first year ($30 after)
More Info
 Offers up to 55 days interest-free days and $0 annual fee for the first year and in the subsequent years when you meet the spend requirement.
Westpac Altitude Platinum Velocity
Velocity Frequent Flyer
Purchase rate p.a.
19.99%
Bonus points
70,000
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$174 first year ($250 after)
More Info
 Get 70,000 bonus Velocity Points when you spend $4,000 within 90 days. Plus, a discounted $174 first-year annual fee.
Westpac Lite Card
Purchase rate p.a.
9.9%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 45 days on purchases
Balance transfer rate p.a.
Annual fee
$108
More Info
 Save with 0% foreign transaction fees, a low interest rate for purchases and cashback offers through Westpac Extras.
Westpac BusinessChoice Rewards Platinum Mastercard
Qantas Business Rewards
Purchase rate p.a.
20.24%
Bonus points
N/A
Points per $ spent
0.5
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$150
More Info
 Get up to 0.5 Qantas Points per $1 on eligible business spending, complimentary insurances and individual card limits.

Westpac Altitude Business Platinum Credit Card
Westpac Altitude Rewards
Purchase rate p.a.
20.24%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
4.99% for 12 months, then 20.74%
Annual fee
$0 first year ($200 after)
More Info
 Get a $0 first-year annual fee and 4.99% p.a. on balance transfers for 12 months.
Westpac Altitude Business Gold Mastercard
Westpac Altitude Rewards
Purchase rate p.a.
20.24%
Bonus points
N/A
Points per $ spent
1
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
4.99% for 12 months, then 20.24%
Annual fee
$0 first year ($150 after)
More Info
 Save with a $0 annual fee for the first year and 4.99% p.a. on balance transfers for 12 months.
Westpac BusinessChoice Everyday Mastercard
Purchase rate p.a.
14.25%
Bonus points
N/A
Points per $ spent
N/A
Interest-free period
Up to 55 days on purchases
Balance transfer rate p.a.
Annual fee
$75
More Info
 Save with 14.25% p.a. on purchases. Plus, enjoy up to 55 days interest-free on purchases.
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Types of credit cards from Westpac

  • Westpac low rate credit cards

The Westpac Low Rate Credit Card and the Westpac Lite Card have variable interest rates that are much lower than the average standard credit card rate in Australia, which is currently 19.82% This gives you a way to save on interest charges for new purchases if you don't pay off your credit card balance in full each month. Both of these Westpac cards also offer annual fees that are competitive with other low rate cards in Australia.

  • Westpac balance transfer credit cards

Westpac balance transfer credit cards offer an introductory low or 0% interest rate when you move debt (or debts) from up to 3 Australian credit cards, store cards or charge cards that are not issued by Westpac.

At the end of the introductory period, any unpaid balance transfer amount will be charged interest at the card's variable cash advance interest rate. As this is typically high, you'll get the most value from the balance transfer offer when you focus on paying off the balance before you use the card for anything else.

  • Westpac low fee credit cards

The Westpac Low Fee Credit Card has a $30 p.a. annual fee, which is low compared to other credit cards that charge annual fees in Australia. It also offers an annual fee waiver if you spend at least $5,000 in a year.

  • Westpac rewards credit cards

Westpac Altitude Rewards credit cards earn points per $1 on your eligible spending, which includes everyday shopping for groceries, dining, petrol and travel. You can redeem Altitude Points for gift cards, cashback and retail items. If you're a frequent flyer member, you can also transfer points to Velocity Frequent Flyer, Asia Miles, Air New Zealand Airpoints and Singapore Airlines KrisFlyer. Check out Finder's guide to Westpac Altitude Rewards for more details on earning and redeeming points.

  • Westpac frequent flyer credit cards

Westpac Altitude Platinum and Black credit cards give you a choice of earning Qantas Points or Velocity Points instead of Altitude Points. You just need to select the Altitude Qantas or Altitude Velocity option and include your frequent flyer membership details when you apply. Just keep in mind that there is a $50 annual rewards fee for choosing Altitude Qantas or Altitude Velocity, in addition to the card's annual fee.

Get more value: Beyond points, Westpac credit cards also offer a mix of other perks, ranging from complimentary travel and purchase insurance to airport lounge passes and a concierge service. Check the benefits for each card to see what it offers and compare your options.

  • No interest, flat fee card

The Westpac Flex is one of the few no interest, flat fee credit cards on the market in Australia. Instead of charging interest, it has a monthly fee that you only have to pay when you carry a balance.

This setup can make it easier to plan your payments because the amount you're charged when you have a balance never changes (and it could if there was an interest rate). The Westpac Flex Card is also one of the few cards to offer a virtual credit card you can use once your application is approved.

  • Westpac business credit cards

Westpac offers a range of rewards and low rate business credit cards. These cards give you a way to keep track of business spending, with features including additional cards for employees, fraud monitoring and export options for MYOB, BAS and Microsoft Excel. It also offers corporate credit cards for larger organisations.

Benefits of getting a credit card with Westpac

  • Mobile payments

Westpac credit cards can be added to the following mobile wallets and apps:

  • Apple Pay
  • Google Pay
  • Samsung Pay
  • Fitbit Pay
  • Garmin Pay

  • Westpac Extras

This complimentary program gives you access to cashback offers with well-known brands and stores in Australia. You'll see the latest offers when you log in to Westpac Live. You can also sign up to get offers emailed to you. When you get an offer, you just need to shop at the store and pay with your eligible Westpac credit card, and the cashback will be added to your account as a statement credit.

You can get Westpac Extras offers with any personal Westpac credit card, but not with the Westpac BusinessChoice, Westpac corporate credit cards, Westpac consumer or business debit cards. Also keep in mind that payments made through platforms like PayPal are not eligible to earn cashback.

  • 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, with 2 main types to choose from:

  • Large Purchase SmartPlan. 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. This makes it suited to individual big-ticket items bought with your credit card, such as a new laptop, flights or hotel bookings. Keep in mind that establishment fees apply and will be shown before you set up a plan.
  • 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. Just note that SmartPlans are not available if you have the Westpac Flex Card.

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.

  • Westpac PartPay

Similar to buy now pay later, Westpac PartPay lets you split purchases of $100 or more into 4 fortnightly repayments. The repayments come out of your nominated bank account and there are no additional fees as long as you have enough money in your account for each fortnight's automatic repayment.

If you have an eligible Westpac credit card, you can set up PartPay through the Westpac App and will get a digital card (linked to your credit card account). Then, just use your PartPay card to make any purchases you want to pay for in instalments.

  • Annual fee waiver - home loan offer

With a Westpac Home Loan Premier Advantage Package, you can get the annual fee waived on one of the following credit cards:

  • Low Fee
  • Altitude (including Altitude Qantas)
  • Altitude Platinum (including Altitude Qantas Platinum)
  • Altitude Black (including Altitude Qantas Black)
  • Low Rate

Existing customers may also get a fee waiver for an eligible credit card that is no longer taking new applications. Just note that the Advantage Package only offers one credit card fee waiver per package.

  • Security features

Westpac credit card security includes 24-hour fraud protection monitoring services for your account, added online security through Mastercard Identity Check and Visa Secure and an online transaction security guarantee to ensure you're not liable for online transactions made without your knowledge or consent.

  • 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.

Eligibility criteria

If you want to apply for a Westpac credit card, the next step is to make sure you meet the eligibility criteria.

Each card has slightly different details for who can apply, but all Westpac cards include the following:

  • Income. You'll need to have a regular income to apply for a Westpac credit card.
  • Australian residency status. You can apply for a Westpac credit card if you are an Australian citizen or permanent resident. Some cards also accept applications from people with eligible visas – when that's the case, you'll see details about it before you start the application.
  • Age. You must be at least 18 years old.

How long does it take to apply?

You can apply for your Westpac credit card online in around 10 minutes. Once you complete the application, Westpac will contact you with an outcome and/or details about the next steps.

Information and documents you need to apply

  • Personal information. Your full name, date of birth, Australian residential address and details about your current living situation. If you're new to Westpac, you also need to provide identification, such as your Australian driver's licence, passport, Medicare card or birth certificate.
  • Financial details. Your regular income and any other assets, including savings or investments. You also need to include details of regular expenses such as mortgage payments, rent, utility bills and groceries.
  • Details if you're employed full-time or part-time. Your salary, job title, employer and any supporting documents Westpac requests, such as recent payslips.
  • Details if you're employed casually. You'll need to show that you have been working for the same employer for at least 6 months.
  • Details if you're self-employed. You'll need to show that you have been operating for at least 18 months and include your most recent Tax Assessment Notice from the Australian Taxation Office.
  • Acceptable income from other sources. This could include income from other employment (e.g. a second job), rental income, superannuation or pension income, dividends and interest received or one of the following government payments:
    • Aged pension
    • Widows pension
    • Disability support pension
    • Family tax benefit part A or part B

Card details

Depending on which card you're applying for, you could be asked about the following details as part of the application:

  • Credit limit. If you have a credit limit in mind, you can include that as part of the application. Just be aware that Westpac will offer you a credit limit based on its assessment of your application, which could be lower than the one you've requested. Also note that you won't be asked about a credit limit for the Westpac Flex, as it only offers one credit limit.
  • Balance transfer information. If you want to transfer a balance to a Westpac credit card, you'll need to provide details of the debt that you want to transfer, including the account name, number and financial institution's BSB.

What happens after you apply?

Westpac will email you an application reference number. You'll also get details about providing more supporting documentation (if that's needed), or next steps.

Have a question about the application? Call Westpac on 132 032 to talk about your situation.

Credit card brands similar to Westpac

If you want to compare Westpac credit cards to those from other lenders, you could consider the other Big Four Banks in Australia:

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

  1. Westpac credit card key facts sheets
  2. Westpac credit card terms and conditions pdf
  3. Westpac Altitude Rewards website
  4. Westpac PartPay details

Read more on this topic

  • Westpac Flex Card

    This 0% interest credit card from Westpac offers a $1,000 limit and a flat monthly fee that can be waived – plus you can use it as soon as you’re approved.
  • Westpac Low Rate Credit Card – Cashback Offer

    A no-frills card offering up to $350 back when you meet the spend requirement and a 13.74% p.a. interest rate on purchases.
  • Westpac Altitude Black – Velocity

    A premium credit card offering up to 120,000 bonus Velocity Points, uncapped rewards points and complimentary insurance covers.
  • Westpac Altitude Platinum – Velocity

    This platinum credit card offers 70,000 bonus Velocity points, uncapped points potential, a discounted first-year annual fee and complimentary insurance covers.
  • Westpac Low Rate Credit Card

    A no-frills card offering a 0% interest on balance transfers for the first 28 months and a 13.74% p.a. interest rate on purchases.

  • Westpac Altitude Platinum – Qantas

    With bonus Qantas Points and a range of complimentary insurance covers, the Westpac Altitude Platinum - Qantas is worth considering if you want more frequent flyer points.
  • Westpac Altitude Black Qantas

    The Westpac Altitude Black Qantas card boasts bonus points, a competitive earn rate as well as travel perks and extra features.
  • Westpac Altitude Business Platinum Credit Card

    Take advantage of a $0 annual fee for the first year and a 12-month balance transfer with a new Westpac Altitude Business Platinum credit card.
  • Westpac Altitude Black

    This black rewards credit card is packed with perks including uncapped points per $1 spent, airport lounge passes, complimentary travel insurance and up to 150,000 bonus points offer.
  • Westpac Altitude Platinum Credit Card

    This platinum rewards card comes with up to 120,000 bonus points offer and complimentary insurance for domestic and overseas travel. Is it worth it for you?

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38 Responses

    Default Gravatar
    BikashJuly 11, 2023

    Hello

    Which rewards card is better. Can you recommend me anyone.
    My option is altitude platinum qantas mastercard though i am not frequently flying.
    Please help me to choose.
    Thanks

    Reply
      AvatarFinder
      ElizabethJuly 24, 2023Finder

      Hi Bikash,

      Unfortunately I cannot recommend a credit card for you as I can’t give personal advice.

      If you’re looking for a Westpac rewards credit card specifically, you can use the comparison table above to compare interest rates, fees bonus points and points per $ spent.

      If you want to look at more providers you can use the comparison table on this page: https://www.finder.com.au/credit-cards/rewards-credit-cards

      The second page has a list of some of the best credit cards from this month as well as a guide to how to find the best card for you.

      I hope this helps,

      Elizabeth

      Reply
    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 ?

    Reply
      AvatarFinder
      MayAugust 2, 2016Finder

      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

      Reply
    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

    Reply
      AvatarFinder
      MayJuly 21, 2016Finder

      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.

      Cheers,
      May

      Reply
    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

    Reply
      AvatarFinder
      JonathanFebruary 3, 2016Finder

      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.

      Cheers,

      Jonathan

      Reply
    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?

    Reply
      AvatarFinder
      JonathanNovember 6, 2015Finder

      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.

      Cheers,
      Jonathan

      Reply
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