Credit card comparison

Our credit card comparison table helps you choose the most appropriate Australian credit card for your needs. Compare credit cards by looking at features like interest free days, annual fees, interest rates, and rewards or frequent flyer programs. The comparison table also features any current credit card balance transfer offers, bonus points promotions or special frequent flyer campaigns.

Rates p.a.

Purchases standard variable rate
(special promotion for a limited time)

20.24% p.a.

---------

0% p.a. purchase rate for 12 months from card approval on new cards only.

20.24% p.a.

---------

0% p.a. purchase rate for 12 months from card approval on new cards only.

20.24% p.a.

---------

0% p.a. purchase rate for 12 months from card approval on new cards only.

20.24% p.a.

---------

0% p.a. purchase rate for 12 months from card approval on new cards only.

19.74% p.a.

19.84%

19.84%

20.45% p.a.

Cash advances (variable rate)

21.24% p.a.

21.24% p.a.

21.24% p.a.

21.24% p.a.

20.49% p.a.

21.29% p.a.

21.29% p.a.

20.45% p.a.

Fixed interest on selected Qantas products and services
no no no no no no no no
Balance transfers (special promotion for a limited time)

3.99% p.a. for 6 months

3.99% p.a. for 6 months

3.99% p.a. for 6 months

3.99% p.a. for 6 months

0.99% p.a. for 6 months

0.00% p.a. for 6 months

---------

A 1% balance transfer fee applies
0.00% p.a. for 6 months

---------

A 1% balance transfer fee applies
no
Fees and Charges
Annual fee (fee may change)
$100 $150

$395

$395

$250 $0

---------

Special promotion for a limited time.

$0

---------

Special promotion for a limited time.

$30

---------

Annual fee waived in the first year.

Interest free days
On purchases

Up to 45 days

 

Up to 45 days

Up to 45 days

Up to 45 days

Up to 45 days

Up to 55 days

Up to 55 days

Up to 55 days

Features
2 credit cards linked to the 1 account
yes yes yes yes yes no no no
Complimentary overseas travel insurance
no

Up to 3 months

Up to 6 months

Up to 6 months

Up to 6 months

no

Up to 6 months

no
Complimentary purchase security insurance
no

3 months cover

4 months cover

4 months cover

4 months cover

no

4 months cover

no
Complimentary extended warranty insurance
no

Up to 1 year

Up to 2 years

Up to 2 years

Up to 2 years

no

Up to 2 years

no
Points cap - for each statement cycle when using your cards. Bonus points do not count towards the points cap.
5,000 Altitude Points or 2,500 Qantas Points. 7,500 Altitude Points or 3,750 Qantas Points no no no

N/A

N/A

N/A

No points expiry

For Altitude Rewards - no expiry as long as you continue to earn Altitude Points.

For Qantas - visit qantas.com.au

 

For Altitude Rewards - no expiry as long as you continue to earn Altitude Points.

For Qantas - visit qantas.com.au

 

As long as you remain an Altitude cardholder

 

Visit qantas.com.au

Visit krisflyer.com

N/A

N/A

N/A
Access to Priority Service Line
no yes yes yes yes no yes no
Complimentary transit accident insurance cover
no

Up to $250,000

Up to $500,000

Up to $500,000

Up to $500,000 no

Up to $500,000

no
Card can be linked to Westpac transaction account
yes yes yes yes yes yes yes yes
Free Qantas Frequent Flyer membership on new accounts for a limited time

yes, when you select Altitude Qantas

yes, when you select Altitude Qantas

no For a limited time no no no no
Free KrisFlyer programme membership
no no no no yes no no no
Rewards
Points earned per dollar spent on purchases

If your choose Altitude Rewards: 2 Altitude Points on Altitude American Express Card©

 

1 Altitude Point on the Altitude Visa Card

 

If you choose Qantas Rewards:1 Qantas Point on Altitude American Express Card©

 

0.5 Qantas Point on Altitude Visa Card

 

If your choose Altitude Rewards: 2 Altitude Points on Altitude Platinum American Express Card©

 

1 Altitude Point on the Altitude Platinum Visa Card

 

If you choose Qantas Rewards: 1 Qantas Point on Altitude Platinum American Express Card©

 

0.5 Qantas Point on Altitude Platinum Visa Card

 

3 Altitude Points on the Altitude Black American Express Card©

 

3 Altitude Points on the Altitude Black World MasterCard® (Overseas Merchants)

 

1.25 Altitude Points on the Altitude Black World MasterCard® (Australian Merchants)

1.5 Qantas Points on Earth Black American Express Card©

 

1.5 Qantas Points on Earth Black World MasterCard® (Overseas Merchants)

 

0.625 Qantas Point on Earth Black World MasterCard® (Australian Merchants)

1.5 KrisFlyer miles on Singapore Airlines Westpac Platinum American Express Card.

 

Singapore Airlines Westpac Platinum Visa Card: 1.5 KrisFlyer miles with merchants outside Australia. 0.5 KrisFlyer mile with merchants within Australia.

N/A

N/A

N/A

Points earned per dollar spent on selected Qantas products and services

1 extra Qantas Point (when you select Altitude Qantas)

1 extra Qantas Point (when you select Altitude Qantas)

N/A

1 extra Qantas Point

N/A

N/A

N/A

N/A

Miles earned per dollar spent at singaporeair.com.au

N/A

N/A

N/A

N/A

Double the usual KrisFlyer standard rates

N/A

N/A

N/A

Special offers
Earn double points on activation for new customers (special promotion for a limited time)

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Qantas Frequent Flyer points on purchases

yes, when you select Altitude Qantas

yes, when you select Altitude Qantas

no yes no

N/A

N/A

N/A

KrisFlyer miles on purchases
no no no no yes N/A N/A N/A
Things you should know
  • Important:  Special promotions (including bonus points, introductory balance transfer rates and purchase rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or as part of a package (including home loan packages) unless the package or promotion conditions state otherwise.

    Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.

    About complimentary insurance
    Insurance covers are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 to Westpac Banking Corporation under separate master policies. Zurich is liable for separate risks insured under the terms of each policy. Conditions, limits and exclusions apply. No Westpac Group company has any liability in connection with the insurance policies. Policy wordings may be obtained by calling 1300 367 228 or by downloading theWestpac Credit Cards Complimentary Insurance Policy (PDF 742kb).