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Credit cards
Whichever credit card you're after, you'll find it with a little Westpac.
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Apply now
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[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards?pid=cp-salob-concc-pfh-cta1
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[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/
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Continue my application
[BVAR#wbc-public-domain]/credit-cards/saved-application?pid=cp-salob-concc-sfh-cta2
Continue my application
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Manage my credit card
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I want to:
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Have a low purchase rate
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Pay a low annual card fee
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Get help choosing a credit card
[BVAR#wbc-public-domain]/credit-cards/help-me-choose?fid=cp-salob-concc-tt-helpmechoose
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Compare credit cards
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Transfer credit card balances
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From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
Important notice
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Find a credit card that's right for you
Choose from:
- filters:product-grouping/rewards
- filters:product-grouping/low-rate
- filters:product-grouping/low-fee
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- product-service:credit-cards/altitude-qantas-platinum
- filters:product-grouping/rewards
Offer
Altitude Qantas Platinum
Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Platinum credit card benefits.
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Offer
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You could earn up to 100,000 bonus Qantas Points.[#]
Already with Westpac? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
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- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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- Annual card fee - $175
- Annual Altitude Qantas Rewards Program fee - $75
- Minimum credit limit - $3,000
- Minimum income - $30,000 p.a.
- Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[#]
- Plus earn 1 bonus Qantas Point per $1 spent on selected Qantas products and services[#] in Australia
Apply now
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Not yet with us? Apply here
Already with us? Sign in to apply
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-platinum/summary?fid=cp-salob-concc-pc-cta1
true
Find out more
- product-service:credit-cards/altitude-qantas-black
- filters:product-grouping/rewards
Offer
Altitude Qantas Black
Our premier Qantas credit card gets you a high Qantas Points earn rate as well as complimentary airport lounge access, insurances and concierge.
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Offer
star-rate
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You could earn up to 150,000 bonus Qantas Points.[#]
Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter).[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
percent
- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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Apply now
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Not yet with us? Apply here
Already with us? Sign in to apply
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-qantas-black/summary?fid=cp-salob-concc-pc-cta1
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Find out more
- product-service:credit-cards/altitude-rewards-platinum
- filters:product-grouping/rewards
Offer
Altitude Rewards Platinum
Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose from gift cards, merchandise or our unique 'Pay with Points’ feature.
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Offer
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You could earn up to 100,000 bonus Altitude Points[#] plus a $99 first year card fee (reverts to $175 p.a. thereafter).[#]
Already with Westpac? Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter).[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
percent
- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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Apply now
true
Not yet with us? Apply here
Already with us? Sign in to apply
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-platinum/summary?fid=cp-salob-concc-pc-cta1
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Find out more
- product-service:credit-cards/altitude-rewards-black
- filters:product-grouping/rewards
Offer
Altitude Rewards Black
Our premium Altitude Rewards credit card gets you our highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.
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Offer
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You could earn up to 200,000 bonus Altitude Rewards Points.[#] Plus, a $200 first year card fee (reverts to $295 p.a. thereafter).[#]
Already with Westpac? Sign in to apply and get a $149 first year card fee (reverts to $295 p.a. thereafter).[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
percent
- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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Apply now
true
Not yet with us? Apply here
Already with us? Sign in to apply
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-black/summary?fid=cp-salob-concc-pc-cta1
true
Find out more
- product-service:credit-cards/altitude-velocity-platinum
- filters:product-grouping/rewards
Offer
Altitude Velocity Platinum
Earn Velocity Points directly into your Velocity Frequent Flyer account and enjoy Platinum credit card benefits.
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Offer
star-rate
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You could earn up to 100,000 bonus Velocity Points.[#]
Already with Westpac? Sign in to apply and get a $99 first year card fee (reverts to $175 p.a. thereafter).[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
percent
- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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Apply now
true
Not yet with us? Apply here
Already with us? Sign in to apply
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-velocity-platinum/summary?fid=cp-salob-concc-pc-cta1
true
Find out more
- product-service:credit-cards/altitude-velocity-black
- filters:product-grouping/rewards
Offer
Altitude Velocity Black
Our premier Velocity credit card could get you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge.
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Offer
star-rate
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You could earn up to 150,000 bonus Velocity Points.[#]
Already with Westpac? Sign in to apply and get a $200 first year card fee (reverts to $295 p.a. thereafter).[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
percent
- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
tick-circle
Apply now
true
Not yet with us? Apply here
Already with us? Sign in to apply
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/qantas-rewards/altitude-velocity-black/summary?fid=cp-salob-concc-pc-cta1
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Find out more
- product-service:credit-cards/low-rate-card
- filters:product-grouping/low-rate
Offer
Low Rate card
Our Low Rate card provides a lower interest rates on purchases, plus a lower monthly card fee to help reduce your credit card costs.
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Offer
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Up to $450 cashback – $75 cashback for each month you spend $1k+ on eligible purchases[#] in the first 6 months from card approval.[#]
OR
0% p.a. for 20 months on balance transfers requested at card application.[#] 3% balance transfer fee applies. After 20 months the rate reverts to the variable cash advance rate.
Already with Westpac? Sign in to apply and we’ll waive your first year’s card fee.[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
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- Variable purchase rate - 13.74% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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- Monthly card fee - $7
- Minimum credit limit - $500
- Minimum income - $30,000 p.a.
- Interest free on purchases - 55 days
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Find out more
- product-service:credit-cards/lite-card
- filters:product-grouping/low-rate
Lite card
Enjoy no foreign transaction fees and our lowest purchase rate with the Westpac Lite Card.
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Rates
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Variable purchase rate - 9.90% p.a.
Features
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- Monthly card fee - $9
- Minimum credit limit - $1,000
- Maximum credit limit - $20,000
- Minimum income - $30,000 p.a.
- Interest free on purchases - 45 days
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Apply now
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Not yet with us
Already with us
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/low-rate/westpac-lite-card/summary?fid=cp-salob-concc-pc-cta1
Find out more
- product-service:credit-cards/low-fee
- filters:product-grouping/low-fee
Offer
Low Fee card
No annual card fee ($5k p.a. minimum spend applies) and up to 55 days interest free on purchases.
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Offer
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Get $240 cashback when you spend $3.5k+ on eligible purchases[#] in the first 90 days from card approval.[#]
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
Rates
percent
- Variable purchase rate - 20.99% p.a.
- Variable cash advance rate - 21.99% p.a.
Features
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- Annual card fee (first year) - $0
- Annual card fee (ongoing): $30 (or $0 with $5k p.a. spend)[#]
- Minimum credit limit - $500
- Minimum income - $30,000 p.a.
- Interest free on purchases - 55 days
Apply now
true
Not yet with us
Already with us
[BVAR#wdp-domain]/origin/etb0/content/secure-pers/credit-cards/low-fee/low-fee-card/summary?fid=cp-salob-concc-pc-cta1
true
Find out more
Credit card offers
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Credit card offers
Check out our cashback, bonus points and balance transfer offers.
Credit card offers
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Westpac Rewards - Get exclusive deals, discounts and cashback when shopping with your credit card accessible via the Westpac App.
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Split your purchases - Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card.
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We got your back - Use the Dynamic CVC on your digital card. The 3-digit number changes every 24 hours for added fraud protection.
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Australia’s Best Banking App - Manage your credit card in the Westpac App[#], with features to help you budget, save and stay on top of your finances.
Frequently asked questions
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What's a credit card?
It's a card issued by a bank or financial institution that gives you access to money to make cashless payments. Unlike a debit card, the money accessed is borrowed, meaning it must be paid back, along with any interest and other charges like an annual fee. Different types of credit cards include rewards, low rate and low fee cards, each with varying features, benefits and costs.
How does a credit card work?
A credit card lets you make cashless payments with borrowed money you'll need to repay. Interest is also charged on that money, though many credit cards offer conditional interest-free periods. Paying your credit card off sooner can help reduce interest charges. Your credit score could be affected if you don’t repay at least the minimum amount due each month.
How do I get a credit card?
You can apply for a Westpac credit card online. We’ll ask for certain documentation – though this may vary if you already have an account with us – for proof of where you live, a regular income (minimum income requirements depend on card type), repayment ability, and a credit check. The act of applying for a credit card will affect your credit rating.