Why would I need a credit card
A credit card is a safe and convenient way to pay for purchases or get a cash advance.
Access to credit
A credit card can give you access to funds to pay for things that are outside of your immediate budget. It is important to realise that credit through a credit card is a loan and needs to be paid back.
Useful when travelling overseas
Credit cards are commonly accepted around the world so they are a convenient way to pay for purchases when travelling overseas.
Helps avoid everyday transaction fees
If you are charged fees for each transaction on your everyday transaction account, you can use your credit card for purchases instead. Then you can pay off the entire outstanding balance shown on your statement with a single transaction to reduce the transaction fees.
Earn rewards for everyday spending
Some credit cards let you earn points for your purchases which you can redeem for a variety of rewards and flights. We offer a range of reward credit cards.
Things you should know
- Important: If you are applying for a selected credit card at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac credit card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Credit card applications are subject to Westpac's normal lending criteria. An additional credit card can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. Information about a third party’s products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.
