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.

Looking for a business credit card? Compare our business credit cards.

Rates p.a.

Purchases standard variable rate

20.24% p.a.

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Special offer: 1% p.a. on purchases for up to 12 months.

20.24% p.a.

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Special offer: 1% p.a. on purchases for up to 12 months.

20.24% p.a.

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Special offer: 1% p.a. on purchases for up to 12 months.

19.84% p.a.

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Special offer: 1% p.a. on purchases for up to 12 months.

19.84% p.a.

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Special offer: 1% p.a. on purchases for up to 12 months.

20.45% p.a.

Cash advances (variable rate)

20.74% p.a.

20.74% p.a.

20.74% p.a.

21.29% p.a.

21.29% p.a.

20.45% p.a.

Balance transfers (special promotion for a limited time)

0.00% p.a. for 16 months

0.00% p.a. for 16 months

0.00% p.a. for 18 months

0.00% p.a. for 16 months

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0.00% p.a. for 16 months

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no
Fees and Charges
Annual fee (fee may change)
$100

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Existing customers: $0 annual fee for the first year. New cards only. See conditions below.

$150

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Existing customers: $0 annual fee for the first year. New cards only. See conditions below.

$395

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Existing customers: $0 annual fee for the first year. New cards only. See conditions below.

$0

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Special promotion for a limited time.

$0

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Special promotion for a limited time.

$30

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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 55 days

Up to 55 days

Up to 55 days

Features
Card can be linked to Westpac transaction account
yes yes yes yes yes yes
Complimentary overseas travel insurance
no

Up to 3 months

Up to 6 months

no

Up to 6 months

no
Complimentary transit accident insurance cover
no

Up to $250,000

Up to $500,000

no

Up to $500,000

no
Complimentary purchase security insurance
no

3 months cover

4 months cover

no

4 months cover

no
Complimentary extended warranty insurance
no

Up to 1 year

Up to 2 years

no

Up to 2 years

no
Access to Priority Service Line
no yes yes no yes no
Free Qantas Frequent Flyer membership on new accounts for a limited time

Yes, when you select Altitude Qantas

Yes, when you select Altitude Qantas

Yes, when you select Altitude Qantas

no no no
Rewards
Points earned per dollar spent on purchases

Special offer:

50,000 bonus Altitude or Qantas points on a new card when you spend $2,500 within 90 days from card approval

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

 

1 Altitude Point on the Altitude Visa Card

 

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

 

0.5 Qantas Point on Altitude Visa Card

Special offer:

50,000 bonus Altitude or Qantas points on a new card when you spend $2,500 within 90 days from card approval

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

 

1 Altitude Point on the Altitude Platinum Visa Card

 

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

 

0.5 Qantas Point on Altitude Platinum Visa Card

 

Special offer:

50,000 bonus Altitude or Qantas points on a new card when you spend $2,500 within 90 days from card approval

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If you choose Altitude Rewards

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)

 

If you choose Altitude Qantas Rewards:

1.5 Qantas Points on Altitude Black American Express Card©

1.5 Qantas Points on Altitude Black World MasterCard© (Overseas Merchants)

0.625 Qantas Points on Altitude Black World MasterCard© (Australian Merchants)

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)

1 extra Qantas Point (when you select Altitude Qantas)

N/A

N/A

N/A

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

N/A

N/A

N/A

Things you should know
  • Westpac Credit Cards Complimentary Insurance Policy (PDF 305kb)

    Westpac Credit Cards Complimentary Insurance Policy For claim events prior to 1 June 2015 (PDF 739kb)


  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.
  • Credit criteria, fees and charges apply.

    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.
    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.

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

    Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 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). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.


  • 55 Day no annual fee promotion: $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 transaction on your account. Offer available on new card applications when you apply between 7 July 2016 and 11 October 2016.

  • Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7 July 2016 and 11 October 2016 and spend the minimum amount of $2500 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 customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

  • Purchase rate promotion: The introductory rate of 1% p.a. on purchases is available when you apply for a new Westpac credit card between 7 July 2016 and 11 October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. 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.