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Changing to another Westpac credit card

You might find that over time you need different things from your credit card. Perhaps you'd like more features or a lower purchase rate.

Westpac offers a range of credit cards that suit a range of lifestyle and financial needs. These include:

  • Rewards credit cards - these cards allow you to earn points on purchases that can be redeemed towards travel, flights and gift cards as well as a range of lifestyle products.
  • Low Rate credit card - enjoy a lower interest rate on purchases and you could save on credit card interest.

What to consider before changing your credit card

  • Personal Liability vs Joint and Several Liability vs Business Liability.
  • It's a good idea to think about how you’ll be using your credit card before making the decision to change to a different card. You can compare our credit cards to find a card that suits your needs.

How can I switch my Altitude Business credit card to another credit card?

Note: You can’t switch from an Altitude Business Gold or Platinum Credit Card to a BusinessChoice Everyday or Rewards Platinum Credit Card and vice versa.


If your request is approved, we’ll send you a variation to your credit contract, the terms and conditions relevant to your new card(s), and instructions for how to activate your card. 

You have 30 days after you’re approved to activate your new card. You won’t be switched to the new credit card until the primary cardholder activates the new card. When the card is activated, any additional cardholders on the old account prior to the request to switch will also be switched to the new account.

Activating your card will confirm your acceptance of the variation to your credit contract, and the balance of your existing card will be transferred to your new credit card. Your current PIN will still work and your new card account will appear in Online Banking in the next couple of business days.

If you don’t activate your card within 30 days, you won’t be able to use the new card(s) you received and you’ll remain on your old credit card account. You’ll still be able to use your old card(s) and you can re-apply to change your card later. Note that any offers and pricing may then vary if and when you choose to re-apply.

If you’re moving from a rewards card to a non-rewards card, you’ll have 90 days to use your points after your new card is activated. Any fees linked to the anniversary date of your old card will continue to apply until you activate your new card.

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