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Changing my credit limit

There are different credit limits for different types of cards.

Credit limits
Product typeMinimum limitMaximum limit
Altitude Black and Earth Black credit cards$15,000$100,000
Altitude Platinum Plus and Earth Platinum Plus credit cards$8,000$100,000
Singapore Airlines Westpac Platinum credit cards$6,000$100,000
Altitude Platinum, Earth Platinum and 55 Day Platinum Visa credit cards$6,000$50,000
Gold credit cards$5,000$50,000
Other credit cards$1,000$30,000

We will always undertake an assessment of your financial situation to ensure that you meet our lending criteria before we approve  your application to increase your limit. Before applying to increase your credit limit, please make sure you’re comfortable with the higher monthly payments and higher credit limit. It is important that you also consider any changes to your personal financial circumstances in applying for a credit limit.

Giving your consent to receive written credit limit increase invitations 

From time to time we’d  like to send you invitations to apply for an increased credit limit.

From 1 July 2012, we’ll need your consent to be able to send these invitations to you. You can give or withdraw your consent for us to do this at any time.

Providing your consent is easy, just sign into Westpac Online Banking.

Or if you’d prefer, you can give your consent by calling 1300 308 930 or contacting your Relationship Manager. You can withdraw your consent by calling 1300 651 089 between the hours of 8am and 8pm, Monday to Friday.

Ways to apply

  • Online - personal Online Banking customers can sign in and complete this application online. Once you have signed in, your personal details are automatically (and securely) included in the form, so there is less data for you to fill in. Once you submit the form you'll get a decision within 60 seconds.
  • Over the phone - if you are not a personal Online Banking customer, you can apply for a credit limit increase by calling 1300 651 089. In most cases a decision can be made within 15 minutes and a confirmation letter will be sent .

How do I decrease my credit limit?

You can decrease your credit limit at any time. Please note, minimum card limits will apply. Call us on 1300 651 089 and we'll do it immediately.