What is the best Westpac credit card?

There isn't one best Westpac credit card that will suit everyone, because people get credit cards for all kinds of reasons. But the 2026 Finder Credit Card Awards used expert analysis of 12 months' worth of data to determine the best credit cards and Westpac credit cards were recognised in the following categories: Best Velocity Frequent Flyer Credit Card (highly commended): Westpac Altitude Velocity Black Best Qantas Frequent Flyer Credit Card (highly commended): Westpac Altitude Qantas Black Keep in mind: There's no one best credit card for everyone, so check details that matter to you. You can also view the full list of 2026 Finder Credit Card Awards, including details of the methodology for each category to help decide if one of these cards is right for you.

How do I pay a Westpac credit card?

If you're an existing Westpac credit card user, you can choose to make your repayments using any of the following: BPAY BPAY gives you a way to pay your Westpac credit card from another bank account. You need to make the payment through your bank's online banking platform, and require the following details: Biller name: Westpac Cards Biller code: 5181 Reference number: Your Westpac credit card number Card AutoPay You can set up automatic payments using your Australian savings or transaction account. If you wish to set up automatic payments using an existing Westpac account, you can do so through online banking or by calling 1300 130 961 (8am-8pm, 7 days a week). To use an account with a different financial institution, you have to take a completed Card Autopay Request form into any Westpac branch along with your ID. When setting up your automatic repayments, you can choose to pay a set amount of the closing balance, a percentage of the closing balance, the minimum payment due or the full balance. Transfer from an existing Westpac account Existing transaction account holders with Westpac get three ways to make repayments towards their credit card accounts: Login to Westpac's online banking platform and transfer funds from your transaction accounts to your credit card accounts Use Westpac's phone banking platform and authorise payments towards your credit card accounts Make repayments by visiting your closest ATM and transferring funds from your transaction accounts to your credit card accounts Make payments at a Westpac Branch If you live or work close to a Westpac branch, you can simply walk into a branch and make your repayments during opening hours. Most Westpac branches are open between 9:30 am and 4:00pm, Monday to Friday.

How much do I have to repay every month?

You must make at least the minimum monthly payment, and you also have the option of paying more each month. Paying as much as you can towards the outstanding balance will help minimise the interest you pay. Here are the key details: The greater of 2% of your closing balance or $10; and The greater of any unpaid past due amounts from previous statements or any amount that exceeds your credit limit. If your closing balance is less than $10, you must repay the full amount.

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. 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 80% of your approved credit limit 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.

How do I activate my Westpac card?

You can activate your new Westpac credit card online or through the Westpac mobile app by logging in and following the prompts. You can also activate it through phone banking by calling 1300 308 930.

How do I cancel my Westpac card?

You can cancel your Westpac credit card account in a few minutes through Internet banking or the Westpac App at any time. You could also cancel your account by calling Westpac on 132 032 or by visiting a branch. Just keep in mind that you will need to make sure there are no outstanding payments before the account can be fully closed.

How can I lock or unlock my Westpac credit card?

If you have misplaced your Westpac card, you have the option of temporarily locking it so that no unauthorised transactions are made. You can do this online or through the mobile app using the following steps: Log in to your account. Go to "Services and preferences" if you're online, or "Services and security" if you're using the mobile app. Go to the "Card services" section and select "Lock a card temporarily". Choose the card you want to lock. A padlock will appear next to it to show that it is locked. You can also unlock your card from this screen in online or mobile banking. Otherwise, this "card on hold" service will last for a maximum of 15 days before it is unlocked again. If you haven't found your card at this time, you should report it through your online or mobile account. Alternatively, you can report a lost or stolen card by calling 1300 130 961.

Westpac Credit Cards Comparison & Reviews

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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.

Compare Westpac Credit Cards

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Westpac Altitude Velocity Platinum Velocity Frequent FlyerUncapped points	23.98%	Bonus points 50,000	Points per $ spent 0.5	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Receive 30,000 bonus Velocity Points in year 1 when you spend $6,000 on eligible purchases in the first 90 days of card approval and 20,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Qantas Black Qantas Frequent FlyerUncapped points	23.98%	Bonus points 150,000	Points per $ spent 0.8	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Get 90,000 bonus Qantas Points and 50 Status Credits in year 1 when you spend $9,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Velocity Black Velocity Frequent FlyerUncapped points	23.98%	Bonus points 150,000	Points per $ spent 0.8	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $295	Offers 90,000 bonus Velocity Points in year 1 when you spend $9,000 on eligible purchases in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Rewards Black Westpac Altitude RewardsUncapped points	23.98%	Bonus points 150,000	Points per $ spent 2	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $200 first year ($295 after)	Earn 90,000 bonus Altitude Rewards Points when you spend $9,000 in the first 90 days of card approval and 60,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	Go to site View details Compare product selectionCompare	loading
Westpac Low Rate Card	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 20 months with 3% balance transfer fee, then 21.99%	Annual fee $84	Go to site View details Compare product selectionCompare	loading
Westpac Altitude Qantas Platinum Qantas Frequent FlyerUncapped points	23.98%	Bonus points 50,000	Points per $ spent 0.5	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $175	Earn 30,000 bonus Qantas Points in year 1 when you spend $6,000 on eligible purchases in the first 90 days of card approval and 20,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Westpac Altitude Rewards Platinum Westpac Altitude RewardsUncapped points	23.98%	Bonus points 90,000	Points per $ spent 1.25	Interest-free period Up to 45 days on purchases	Balance transfer rate p.a. N/A	Annual fee $99 first year ($175 after)	Earn 60,000 bonus Altitude Points when you spend $6,000 in the first 90 days of card approval and 30,000 points when you meet the same spend requirement within 90 days of card anniversary in year 2. T&Cs apply.	View details Compare product selectionCompare	loading
Westpac BusinessChoice Rewards Platinum Credit Card Qantas Business Rewards	20.24%	Bonus points 100,000	Points per $ spent 0.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $150	Earn 100,000 bonus Qantas Points when you spend $8,000 on eligible business purchases in the first 90 days. T&Cs apply.	View details Compare product selectionCompare	loading
Westpac Altitude Business Gold Credit Card Westpac Altitude Rewards	20.24%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 4.99% for 12 months with 0% balance transfer fee, then 20.24%	Annual fee $0 first year ($150 after)	View details Compare product selectionCompare	loading
Westpac Altitude Business Platinum Credit Card Westpac Altitude Rewards	20.24%	Bonus points N/A	Points per $ spent 1.5	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($200 after)	View details Compare product selectionCompare	loading
Westpac Lite Card	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. N/A	Annual fee $108	Cashback offers and discounts through Westpac Extras.	View details Compare product selectionCompare	loading
Westpac Low Rate Card - Cashback Offer	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. N/A	Annual fee $84	View details Compare product selectionCompare	loading
Westpac Low Fee Card	20.99%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $0 first year ($30 after)	View details Compare product selectionCompare	loading
Westpac BusinessChoice Everyday Credit Card	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. N/A	Annual fee $75	View details Compare product selectionCompare	loading

Find a better credit card

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Congratulations, Westpac!

Westpac was a big winner in the 2026 Finder Awards.

Highly Commended, Best Balance Transfer Credit Card: Westpac Low Rate Card
Highly Commended, Best Qantas Frequent Flyer Credit Card: Westpac Altitude Qantas Black
Highly Commended, Best Velocity Frequent Flyer Credit Card: Westpac Altitude Velocity Black
Highly Commended, Best Business Frequent Flyer Credit Card: Westpac Altitude Business Gold Credit Card
Highly Commended, Best Business Frequent Flyer Credit Card: Westpac Altitude Business Platinum Credit Card

Full list of 2026 credit cards winners

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
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.

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.

How to apply for a Westpac credit card

Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.

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

There isn't one best Westpac credit card that will suit everyone, because people get credit cards for all kinds of reasons. But the 2026 Finder Credit Card Awards used expert analysis of 12 months' worth of data to determine the best credit cards and Westpac credit cards were recognised in the following categories:
- Best Velocity Frequent Flyer Credit Card (highly commended): Westpac Altitude Velocity Black
- Best Qantas Frequent Flyer Credit Card (highly commended): Westpac Altitude Qantas Black
Keep in mind: There's no one best credit card for everyone, so check details that matter to you. You can also view the full list of 2026 Finder Credit Card Awards, including details of the methodology for each category to help decide if one of these cards is right for you.
If you're an existing Westpac credit card user, you can choose to make your repayments using any of the following:
BPAY
BPAY gives you a way to pay your Westpac credit card from another bank account. You need to make the payment through your bank's online banking platform, and require the following details:
- Biller name: Westpac Cards
- Biller code: 5181
- Reference number: Your Westpac credit card number
Card AutoPay
You can set up automatic payments using your Australian savings or transaction account. If you wish to set up automatic payments using an existing Westpac account, you can do so through online banking or by calling 1300 130 961 (8am-8pm, 7 days a week). To use an account with a different financial institution, you have to take a completed Card Autopay Request form into any Westpac branch along with your ID.
When setting up your automatic repayments, you can choose to pay a set amount of the closing balance, a percentage of the closing balance, the minimum payment due or the full balance.
Transfer from an existing Westpac account
Existing transaction account holders with Westpac get three ways to make repayments towards their credit card accounts:
- Login to Westpac's online banking platform and transfer funds from your transaction accounts to your credit card accounts
- Use Westpac's phone banking platform and authorise payments towards your credit card accounts
- Make repayments by visiting your closest ATM and transferring funds from your transaction accounts to your credit card accounts
Make payments at a Westpac Branch
If you live or work close to a Westpac branch, you can simply walk into a branch and make your repayments during opening hours. Most Westpac branches are open between 9:30 am and 4:00pm, Monday to Friday.
You must make at least the minimum monthly payment, and you also have the option of paying more each month. Paying as much as you can towards the outstanding balance will help minimise the interest you pay. Here are the key details:
- The greater of 2% of your closing balance or $10; and
- The greater of any unpaid past due amounts from previous statements or any amount that exceeds your credit limit.
- If your closing balance is less than $10, you must repay the full amount.
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 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.
You can cancel your Westpac credit card account in a few minutes through Internet banking or the Westpac App at any time. You could also cancel your account by calling Westpac on 132 032 or by visiting a branch. Just keep in mind that you will need to make sure there are no outstanding payments before the account can be fully closed.
If you have misplaced your Westpac card, you have the option of temporarily locking it so that no unauthorised transactions are made. You can do this online or through the mobile app using the following steps:
1. Log in to your account.
2. Go to "Services and preferences" if you're online, or "Services and security" if you're using the mobile app.
3. Go to the "Card services" section and select "Lock a card temporarily".
4. Choose the card you want to lock. A padlock will appear next to it to show that it is locked.
You can also unlock your card from this screen in online or mobile banking. Otherwise, this "card on hold" service will last for a maximum of 15 days before it is unlocked again. If you haven't found your card at this time, you should report it through your online or mobile account. Alternatively, you can report a lost or stolen card by calling 1300 130 961.

Compare other products from Westpac

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

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Written by

Amy Bradney-George

Journalist

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Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

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38 Responses

JenFebruary 28, 2015

Hi, We have booked a 9 week trip to the UK, Ireland, Scotland and Denmark fro July 18 to September 17 2015. We have used our Visa credit card and want to take up the free travel insurance cover. How do we go about this.

Thanks

Finder

JonathanMarch 2, 2015Finder

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

yollyJanuary 18, 2015

would you earn Qantas frequent flyer points?

Finder

JonathanJanuary 19, 2015Finder

Hi Yolly,

Thanks for your question.

Westpac Rewards credit cards and Westpac Black credit cards are the types of Westpac cards that have made compatible with earning points on the Qantas Frequent Flyer’s program.

I hope this has helped!

Cheers,
Jonathan

PatNovember 29, 2014

What is the maximum amount I can access via a credit card?

Finder

ElizabethDecember 1, 2014Finder

Hi Pat,

Thanks for your question.

The maximum credit limit you are approved for will depend on which credit card you apply for, as well as your individual financial circumstances, such as your income. The highest credit limit available is on the Westpac Altitude Black and Earth Black cards, that offer a maximum credit limit of $75,000. All Gold and Platinum cards have a maximum limit of $30,000. You might want to check the maximum limit of the card you’re looking at applying for.

I hope this has helped.

Thanks,

Elizabeth

LukeNovember 21, 2014

I have a earth black Qantas card which recently reduced the conversion of points received when paying the ATO from 1.5 to .75 with amex. I also have a altitude gold business which is capped at 10000 points per month. What is the conversion for the amex on this card please. ie If I pay $11,000 to the ATO how many point will I get assuming no other transactions on that card

Cheers

Luke

Finder

ElizabethNovember 21, 2014Finder

Hi Luke,

Thanks for your question.

The earn rate for the Altitude Business cards is 0.5 points per $1 spent in ATO payments.

I hope this has helped.

Thanks,

Elizabeth

NickSeptember 8, 2014

Hello, I have a WESTPAC Business Choice Every Day MasterCard + a WESTPAC Altitude Platinum VISA. Both linked to AMEX which I never use.
The complimentary insurance offered on both cards is a little confusing as I never know which card to use when buying an airline ticket or a buying a new computer?
I don’t need travel points. What I would like is the best cards for Insurance in Australia & overseas. Extended warranty and accident & theft & transit insurances in Australia and overseas.
Could you please advise which is the best card for these needs. Should I upgrade?
PS:I am planning to buy airline tickets from Melbourne to Cairns today for a 9 day holiday, which of my existing cards should I use?
Thank you: Nick

Finder

ShirleySeptember 8, 2014Finder

Hi Nick,

Thanks for your question.

The BusinessChoice has the following covers;
– Account Holder’s Unauthorised Transaction insurance
– Card holder’s Transit Accident insurance
– Flight Inconvenience insurance.

The Altitude Platinum Visa has the following;
– Overseas travel insurance
– Transit accident insurance
– Purchase security insurance
– Extended warranty insurance

Based on the requirements you’ve listed, it seems that the Altitude Platinum Visa covers most of those bases.

For your holiday to Cairns, it’s up to you which card you’d like to use. It depends on the types of cover that you would like for your trip.

Cheers,
Shirley

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.