Credit cards

Be rewarded for your everyday spend, enjoy a lower annual fee or a lower purchase rate. Our credit cards suit a range of lifestyle and financial needs.

Low Rate credit card

A low interest purchase rate credit card with up to 55 days interest free on purchases, to help you trim your credit card costs. 


More about the Low Rate credit card

Rewards credit cards

Choose from our range of rewards credit cards and earn rewards points to redeem towards travel, flights and a range of lifestyle products.


More about Rewards credit cards

$0 annual fee for the first year. New cards only. Conditions apply.

Low Annual Fee credit cards

Straight forward credit cards with lower annual fees and interest free days on purchases. 


More about Low Annual Fee cards


Balance transfers

You could save money and simplify your finances by consolidating your credit cards.  

More about balance transfer offers


    Westpac customers

    $0 annual fee for the first year. New and selected cards only. ^See conditions in the 'Things you should know' section below.

    Apply now
  • New customers

    Get started today.
    Apply now

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    Find the best credit card for your needs


    Give us a call

    1300 130 961 

    8am-8pm, 7 days a week

Things you should know
  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via or between 30 September 2015 and 17 January 2016. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. Promotion is not available in conjunction with any other promotion other than the current balance transfer available at card application, promotional purchase rate offer or any bonus points offer. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

    Special balance transfer promotion: Promotional balance transfer rates are available when you apply for a new credit card between 30 September 2015 and 17 January 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer . The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The variable cash advance interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

    Special annual fee promotion terms and conditions: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first year’s annual fee waiver. Offer available on new card applications when you apply between 30 September 2015 and 17 January 2016.

    Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

    Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.