Credit cards Rates, calculators and tools

Credit card rates

Altitude

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 12 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • Balance transfers requested at new card application. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • 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 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.

Altitude Platinum

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 12 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • Balance transfers requested at new card application. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • 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 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.

Altitude Black

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 12 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any promotion other than the special balance transfer promotion available at card application
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Special balance transfer promotion terms and conditions

  • Balance transfers requested at new card application. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • 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 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.

Earth Black

Transaction Interest Rates
Purchases

Special purchase rate promotion: 0% p.a. purchase rate for 12 months from card approval. New cards only. Apply between 1 October 2014 - 16 November 2014.
20.24% p.a. (variable)
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
3.99% p.a. for 6 months

Special promotion balance transfer terms and conditions

  • Balance transfers requested at new card application. Apply between 1 October 2014 - 16 November 2014.
  • Switches, upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible for this offer
  • 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 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.

55 Day Credit Card

Transaction Interest rates
 Purchases

19.84% p.a. (variable)

Cash advances

21.29% p.a. (variable)

Special balance transfer promotion:
See terms and conditions below.

0.00% p.a. for 6 months; a 1% balance transfer fee applies.

Special balance transfer promotion terms and conditions

  • Balance transfers requested at new card application. Apply between 17 November 2014 - 5 January 2015
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • 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.

55 Day Platinum Credit Card

Transaction Interest rates
Purchases 19.84% p.a. variable
Cash advances 21.29% p.a. variable
Special balance transfer promotion:
See terms and conditions below.
0.00% p.a. for 6 months; a 1% balance transfer fee applies.

Special balance transfer promotion terms and conditions

  • Balance transfers requested at new card application. Apply between 17 November 2014 - 5 January 2015
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • 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.

Low Rate Credit Card

Transaction Interest rates
Purchases 13.49% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 12 months from card approval
Cash advances 21.49% p.a. (variable)

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any other promotion, unless stated otherwise
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Student Visa Card

Transaction Interest rates
Purchases 20.45% p.a. (variable)
Cash advances 20.45% p.a. (variable)

 


Singapore Airlines Platinum Cards

Transaction Interest rates
Purchases 19.74% p.a. (variable)
Cash advances 20.49% p.a. (variable)

Special balance transfer promotion:
See terms and conditions below.

0.99% p.a. for 6 months

Special promotion balance transfer terms and condition

  • Balance transfers requested at new card application. Apply between 1 October 2014 - 16 November 2014.
  • Switches, upgrades, customers accessing employee benefits or packaged cards (unless the package conditions state otherwise) are ineligible for this offer
  • 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 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 1 October 2014 and 16 November 2014 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 6-14 months, unless the amount is paid off earlier.

    The variable purchase rate will apply to balance(s) transferred but left unpaid after 6-14 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.