View all credit card rates
Altitude Cards
| Interest rates | |
|---|---|
| Purchases | 19.64% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable). |
| Balance transfers (requested at new card application) 1 | 3.99% p.a. for up to 6 months 1 |
View the Altitude essentials.
Altitude Gold Cards
| Interest rates | |
|---|---|
| Purchases | 19.64% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 3.99% p.a. for up to 6 months 1 |
View the Altitude Gold essentials.
Altitude Platinum Cards
| Variable Interest Rates | |
|---|---|
| Purchases | 19.64% p.a. |
| Cash advances | 21.24% p.a. |
| Balance transfers (requested at new card application) 1 | 3.99% p.a. for 6 months 1 |
View the Altitude Platinum essentials.
Earth Cards
| Variable Interest Rates | |
|---|---|
| Purchases | 19.64% p.a. |
| Cash advances | 21.14% p.a. |
| Balance transfers (requested at new card application) 1 | 0.99% p.a. for 6 months 1 |
View the Earth essentials.
Earth Gold Cards
| Variable Interest Rates | |
|---|---|
| Purchases | 19.64% p.a. |
| Cash advances | 21.14% p.a. |
| Balance transfers (requested at new card application) 1 | 0.99% p.a. for 6 months 1 |
View the Earth Gold essentials.
Earth Platinum Cards
| Variable Interest Rates | |
|---|---|
| Purchases | 19.64% p.a. |
| Cash advances | 21.14% p.a. |
| Balance transfers (requested at new card application) 1 | 0.99% p.a. for 6 months 1 |
View the Earth Platinum essentials.
55 Day MasterCard® or Visa® Card
| Interest rates | |
|---|---|
| Purchases | 19.34% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 3.99% p.a. for up to 6 months 1 |
View the 55 Day Visa® or MasterCard® essentials.
55 Day Gold MasterCard® or Visa® Card
| Interest Rates | |
|---|---|
| Purchases | 19.34% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (made at new card application) 1 | 3.99% p.a. for up to 6 months 1 |
55 Day Platinum Visa® Card
| Interest rates | |
|---|---|
| Purchases | 19.34% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 3.99% p.a. for up to 6 months 1 |
View the 55 Day Platinum Visa® essentials.
Low Rate MasterCard® or Visa® Card
| Interest rates | |
|---|---|
| Purchases | 13.24% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 3.99% p.a. for up to 6 months 1 |
No Annual Fee MasterCard®
| Interest Rates | |
|---|---|
| Purchases | 19.74% p.a. (variable) |
| Cash advances | 21.24% p.a. (variable) |
| Balance transfers (requested at new card application)1 | 3.99% p.a. for up to 6 months1 |
View the No annual fee MasterCard® essentials.
Student Visa® Card
| Variable interest rates | |
|---|---|
| Purchases and cash advances | 20.20% p.a. |
View the Student Visa® Card essentials.
Singapore Airlines Platinum Cards
| Interest rates | |
|---|---|
| Purchases | 19.24% p.a. (variable) |
| Cash advances | 20.49% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 0.99% p.a. for up to 6 months 1 |
View the Singapore Airlines card essentials.
Singapore Airlines Westpac Gold Card Rates
| Interest rates | |
|---|---|
| Purchases | 19.24% p.a. (variable) |
| Cash advances | 20.49% p.a. (variable) |
| Balance transfers (requested at new card application) 1 | 0.99% p.a. for up to 6 months 1 |
View the Singapore Airlines essentials.
Things you should know
- 1. This special rate is only available to customers who are applying for an applicable Westpac card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion, before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200.
- American Express® is a registered trademark of American Express Company.
- MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
- Visa® is a registered trademark of Visa Worldwide PTe Limited.

