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. Variable cash advance rate applies after 18 months.

  • 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. Variable cash advance rate applies after 14 months.

0.00% p.a. for 20 months on balance transfers requested at Altitude Black card application. Variable cash advance rate applies after 20 months.

  • 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. Variable cash advance rate applies after 14 months.

Or, 0.00% p.a. for 16 months on balance transfers at 55 Day Platinum card application. Variable cash advance rate applies after 16 months.

  • 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

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

    Apply now
  • New customers

    Get started today.
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  •  

    Westpac customers

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

    Apply now
  •  

    New customers

    Get started today.

     

     

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Things you should know
  • *Special promotion: The bonus points promotion is available when you apply for a new Altitude Platinum card between 18 January 2016 and 29 February 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. Switches, upgrades and customers accessing employee benefits are ineligible. This promotion is not available in conjunction with any other promotion other than a special balance transfer rate at card application. 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 18 January 2016 and 29 February 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, 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 18 January 2016 and 29 February 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 18 January 2016 and 29 February 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.