Back to: Choose the right credit card

If you don't want to pay an annual fee
Our Westpac No Annual Fee MasterCard is the card for you. Westpac interest charges, other fees and government charges apply.

If you prefer an interest free period and a low interest rate
Choose a Low Rate card. Each of these cards offers an interest free period of up to 55 days on credit purchases and a very competitive low interest rate.

If you prefer a card with a lower annual fee & an interest fee period
Choose a 55 Day card. Each of these cards offers an interest free period of up to 55 days on credit purchases and very competitive annual fees.

If you choose to upgrade to the 55 Day Platinum Visa card you will benefit from our range of complimentary insurance covers and a 24 hour Platinum Cpncierge service.

If you like the idea of earning points
Altitude is the credit card designed to give you more value from your rewards program than any other card. You can redeem points for flights with many of the world's major airlines - as well as travel, shopping, entertainment, charity donations and selected Westpac financial products and services.

If you choose to upgrade to the Altitude Platinum American Express® card, you will earn three points for every dollar spent.

If you want to earn Qantas Frequent Flyer points
Choose our Earth card and if you want to benefit from our range of complimentary insurance covers you might choose to upgrade to our Earth Gold or Earth Platinum card.

If you are a tertiary student
If you are a tertiary student and like the idea of having a credit card as a safety net then the Student Visa is the card for you.

If you require electronic access to your other Westpac accounts
MasterCard and Visa Card give you wide-ranging access to certain Westpac accounts for deposits, withdrawals, balance enquiries and transfers through Westpac/St.George/BankSA branded ATMs. You can also make withdrawals and balance enquiries at most other ATMs in Australia. Internationally, you can use your Westpac MasterCard to access your linked transaction accounts at any ATM displaying the Cirrus logo. (fees and charges will apply).

If you would like to earn a saving on the purchase of a new Holden vehicle
Choose the GM Holden MasterCard to earn a 10% Rebate (or $1 for every $10 spent) on all credit purchases made with the card, which can be used towards the purchase of a new Holden vehicle*.

If you regularly travel overseas and/or would like purchase protection
Choose the 55 day Gold Card for comprehensive overseas travel insurance, free travel accident insurance, 90 day purchase protection, extended warranty and much more**.