Credit cards

Westpac are here to help you find the right credit card. Whether you are after a low interest rate, rewards points or the flexibility of a low fee, compare our wide range of credit cards.
Low Rate credit card

Low Rate credit card

0.00% p.a. for 18 months on balance transfers requested at card application. Rate then switches to standard variable purchase rate.

  • Interest rate of 13.49% p.a.
  • A low annual fee of $59
  • Up to 55 days interest free on purchases

 

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Rewards credit cards

Rewards credit cards

40,000 bonus Qantas or Altitude Points on a new Altitude Platinum credit card*.

0.00% p.a. for 14 months on balance transfers requested at Altitude and Altitude Platinum card application. Rate then switches to standard variable purchase rate.

0.00% p.a. for 20 months on balance transfers requested at Altitude Black card application. Rate then switches to standard variable purchase rate.

  • Interest rate of 20.24% p.a.
  • Choose between Altitude or Qantas rewards programs
  • Up to 45 days interest free
  • Excellent earn rate
  • Bonus points at participating partners

 

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Low annual fee cards

Low Annual Fee credit cards

0.00% p.a. for 14 months on balance transfers at 55 Day card application. Rate then switches to standard variable purchase rate.

Or, 0.00% p.a. for 16 months on balance transfers at 55 Day Platinum card application. Rate then switches to standard variable purchase rate.

  • Interest rate of 19.84% p.a.
  • $0 annual fee for all customers for a limited time only
  • Up to 55 days interest free on purchases

 

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Need some help?

Use our selector tool, calculators or comparison pages to help you make a decision on the card that is right for you.

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    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  • New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

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  •  

    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
  •  

    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

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Things you should know
  • Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

    *Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude Platinum card between 12 April 2016 and 6 July 2016 and spend the minimum amount of $1000 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac, St George, Bank of Melbourne and BankSA customers currently holding a credit card or have closed a credit card within the previous twelve months from card activation are not eligible for this offer.

    ^$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 westpac.com.au or westpac.com.au/mobile between 12 April 2016 and 6 July 2016. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. 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.

    Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 12 April 2016 and 6 July 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates 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 purchase 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 purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

    Purchase rate promotion: The introductory rate of 0.99% p.a. on purchases is available when you apply for a new Low Rate, Altitude or Altitude Black credit card between 12 April 2016 and 6 July 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 4 months after the date of card approval for the Low Rate card; or 3 months after the date of card approval for Altitude and Altitude Black cards. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

    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.