Credit cards Rates, calculators and tools

Credit card rates

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 3 months from card approval
Cash advances 21.49% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
0.00% p.a. for 18 months

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 20 April 2015 - 30 September 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 balance transfer promotion available at card application
  • After 3 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

  • The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 - 30 September 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards.
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any promotion other than the special purchase rate promotion
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • 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).

Altitude

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 3 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
0.00% p.a. for 20 months
Variable cash advance rate applies after 20 months.

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 20 April 2015 and 30 September 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 3 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

  • The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards.
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • 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).

Altitude Platinum

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 3 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See terms and conditions below.
0.00% p.a. for 20 months
Variable cash advance rate applies after 20 months.

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 20 April 2015 and 30 September 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 3 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

  • The promotional balance transfer rate is available when you apply for a new card between 12 August 2015 and 30 September 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards.
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • 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).

Altitude Black

Transaction Interest rates
Purchases 20.24% p.a. (variable)
Special purchase rate promotion:
See 'Things you should know' below for terms and conditions.
0% p.a. for 3 months from card approval
Cash advances 21.24% p.a. (variable)
Special balance transfer promotion:
See 'Things you should know' below for terms and conditions.
0.00% p.a. for 20 months
Variable cash advance rate applies after 20 months.

 


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. Variable cash advance rate applies after 6 months.

Special balance transfer promotion terms and conditions

  • The promotional balance transfer rate is available when you apply for a new card between 20 April 2015 and 30 September 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards.
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • 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).

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. Variable cash advance rate applies after 6 months.

Special balance transfer promotion terms and conditions

  • The promotional balance transfer rate is available when you apply for a new card between 20 April 2015 and 30 September 2015 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards.
  • The variable cash advance rate will apply to balance(s) transferred but left unpaid at the end of the promotional period and to balance transfers requested at any time after card application.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible
  • The balance transfer rate is not available in conjunction with any other promotion unless specified
  • Balance transfer rate will apply to any balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier
  • Card activation will trigger the processing of the balance(s) transferred
  • Interest free days don’t apply to balance transfers
  • 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).

Student Visa Card

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

 


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.

  • 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.