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Altitude Cards

TransactionInterest rates
Purchases19.99% p.a. (variable)
Special promotion: 0% p.a. purchase rate for 12 months from card approval on new Altitude cards only. Apply between 25 July 2014 - 30 September 2014.
 Cash advances 21.49% p.a. (variable)

Special purchase rate promotion terms and conditions

  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • Introductory rate on purchases is not available in conjunction with any promotion unless the conditions state otherwise
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Altitude Platinum Cards

TransactionInterest rates
Purchases19.99% p.a. (variable)

Special promotion: 0% p.a. purchase rate for 12 months from card approval on new Altitude Platinum cards only. Apply between 25 July 2014 - 30 September 2014.

Cash advances21.49% p.a. (variable)

Special purchase rate promotional terms and conditions

  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.
  • Introductory rate on purchases is not available in conjunction with any promotion unless the conditions state otherwise
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account

Altitude Black Cards

TransactionInterest Rates
Purchases19.99% p.a. (variable)
Special promotion: 0% p.a. purchase rate for 12 months from card approval on new Altitude Black cards only. Apply between 25 July 2014 - 30 September 2014.
 Cash advances 21.49% p.a. (variable)

Special purchase rate promotion terms and conditions

  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Earth Black Cards

TransactionInterest Rates
Purchases19.99% p.a. (variable)
Special promotion: 0% p.a. purchase rate for 12 months from card approval on new cards only. Apply between 25 July 2014 - 30 September 2014. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. 
Cash advances21.49% p.a. (variable)

Special purchase rate promotion terms and conditions:

  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • Introductory rate on purchases is not available in conjunction with any promotion unless the conditions state otherwise
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

55 Day MasterCard® or Visa Card

TransactionInterest rates
 Purchases

19.59% p.a. (variable)

Cash advances

21.49% p.a. (variable)

Special promotion: Balance transfers requested at new card application. 23 June 2014 - 24 July 2014.

Switches, upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible for this offer. This offer is unavailable in conjunction with any other promotional online offer.

3.99%  p.a. for 6 months; a 1% balance transfer fee applies.

Special promotion balance transfer terms and conditions

  • The promotional rate applies to balance transfers (min $200) from non Westpac credit or charge cards requested at new card application
  • A balance transfer fee of 1% of the transferred balance(s) applies
  • The promotional rate applies for 6 months from the date the transfer is made
  • The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers
  • Interest free days don’t apply to balance transfers
  • Interest free days on purchases don’t apply unless you pay the closing balance in full by the due date shown on your statement 
  • The standard variable purchase rate applies to any amount of a promotional balance transfer unpaid after 6 months and to balance transfers requested at any time after card application
  • This offer is unavailable in conjunction with any other promotional online offer.


55 Day Platinum Visa Card

TransactionInterest rates
Purchases19.59% p.a. variable
Cash advances21.49% p.a. variable
Special promotion: Balance transfers requested at new card application. Limited time offer. This special promotion does not apply to customers who obtain new 55 Day Platinum credit cards 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. This offer is unavailable in conjunction with any other promotional online offer.3.99% p.a. for 6 months; a 1% balance transfer fee applies.

Special promotion balance transfer terms and conditions.

  • The promotional rate applies to balance transfers (min $200) from non Westpac credit or charge cards requested at new card application
  • A balance transfer fee of 1% of the transferred balance(s) applies
  • The promotional rate applies for 6 months from the date the transfer is made
  • The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers
  • Interest free days don’t apply to balance transfers
  • Interest free days on purchases  don’t apply unless you pay the closing balance in full by the due date shown on your statement 
  • The standard variable purchase rate applies to any amount of a promotional balance transfer unpaid after 6 months and to balance transfers  requested at any time after card application
  • This special promotion is only available for a limited time
  • This offer is unavailable in conjunction with any other promotional online offer.


Low Rate Visa Card

TransactionInterest rates
Purchases13.49% p.a. (variable)
Cash advances 21.49% p.a. (variable)

Special promotion: 0.00% p.a. purchase rate for 12 months from card approval. Offer ends 30 September 2014.

0% p.a. for 12 months 

Special promotion: Balance transfers requested at new card application.Apply between 25 July 2014 and 30 September 2014. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for these offers. These offers are unavailable in conjunction with any other promotional online offer. 1.99% p.a. for 12 months 

Special purchase rate promotional terms and conditions

  • This special promotion does not apply to customers who obtain new Low Rate credit card by switching or upgrading from an existing Westpac card, by accessing Westpac employee benefits, or as part of a package (including home loan packages)

  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special promotion balance transfer terms and conditions

  • The promotional rate applies to balance transfers (min $200) from non Westpac credit or charge cards requested at new card application
  • The promotional rate applies for 12 months from the date the transfer is made
  • The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers
  • Interest free days don't apply to balance transfers
  • Interest free days on purchases don't apply unless you pay the closing balance in full by the due date shown on your statement
  • The standard variable purchase rate applies to any amount of a promotional balance transfer unpaid after 14 months and to balance transfers requested at any time after card application
  • This special promotion is only available when you apply between 25 July 2014 - 30 September 2014.

Student Visa Card

Interest rates
Purchases20.45% p.a. (variable)
Cash advances20.45% p.a. (variable)

Singapore Airlines Platinum Cards

TransactionInterest rates
Purchases19.49% p.a. (variable)
Cash advances20.74% p.a. (variable)

Special promotion: Balance transfers requested at card application. Limited time offer. This special promotion does not apply to customers who obtain new Singapore Airlines Westpac Platinum cards by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (including the Premier Advantage Package) unless the package or promotion conditions state otherwise.

0.99% p.a. for  6 months

Special promotion balance transfer terms and conditions

  • The promotional rate applies to balance transfers (min $200) from non Westpac credit or charge cards requested at new card application
  • A balance transfer fee of 1% of the transferred balance(s) applies
  • The promotional rate applies for 6 months from the date the transfer is made
  • The Consumer Credit Cards Conditions of Use explain how payments you make are applied to these transfers
  • Interest free days don’t apply to balance transfers
  • Interest free days on purchases don’t apply unless you pay the closing balance in full by the due date shown on your statement 
  • The standard variable purchase rate applies to any amount of a promotional balance transfer unpaid after 6 months and to balance transfers requested at any time after card application.

Things you should know
  • Special promotions (including bonus points and promotional balance transfer rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package 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 the Westpac Credit Cards Complimentary Insurance Policy.

  • The balance transfer rate is available when you apply for a new card between 2 April 2013 and 1 July 2013 and request at application to transfer balance(s) from up to 3 cards from Australian issued credit or store cards. Packaged, Westpac Group employees and product transfers cards are ineligible. Balance transfer rate not available with any other promotion. The promotional rate will apply to any balance(s) transferred ($200 up to 95% of your approved available credit limit) for 12 months, unless the amount is paid off earlier.

    The variable purchase rate will apply to balance(s) transferred but left unpaid after 12 months. Balance transfers will be processed after card activation. 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). You will not receive the benefit of any interest free days on purchases unless the full closing balance (including any balance transfer or promotional amount) is paid by the statement due date.

  • American Express® is a registered trademark of American Express

    The Westpac American Express Card is issued  by Westpac Banking Corporation pursuant to a license from American Express. 

  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.