Balance transfer benefits for westpac cardholders
Get on top of your debt and save by transferring your outstanding balances from other credit cards onto your Westpac credit card.
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Begin balance transfer
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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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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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At Westpac, a credit card balance transfer involves moving existing balances from up to 2 store or credit cards held with another financial institution to your Westpac-issued credit card.
Simplify and save
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Stop managing multiple cards
Bring together the money you owe across other credit, charge or store cards onto one Westpac credit card.
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Save on credit card interest
Save on paying annual fees across several cards plus enjoy reduced interest during the offer period.
Save on paying annual fees across several cards plus enjoy reduced interest during the offer period.
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One statement, one payment
With just one bill and one balance to manage, you can use your card as usual and enjoy interest free days.
Combine and take control
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Combine and take control
Available when you transfer up to 2 non-Westpac Australian issued credit, charge or store cards to your existing Westpac credit card. T&Cs apply.
Promotional rate reserved for Westpac cardholders only. Make the most of this balance transfer rate to simplify your finances.
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For 24 months on balance transfer[#]
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We'll waive the balance transfer fee!
Steps to get started
You must have an existing Westpac credit card.
Step 1:
Prepare: Keep the information about your non-Westpac issued credit cards handy (e.g. card number and issuer details).
Step 2:
Consider: Think about how much you wish to transfer (up to two non-Westpac issued credit card balances).
Step 3:
Transfer: Submit the balance transfer form online. It may take up to three to five days to complete your balance transfer request.
Get the most from your balance transfer
- Cancel other cards: Stay in control of your spending by cancelling your other non-Westpac-issued credit or store cards.
- Set a payment reminder: Pay off your transferred balance before the offer rate ends by setting a payment reminder in your calendar.
- Repayment flexibility: SmartPlan helps spilt your personal credit card repayments into manageable instalments. Set it up in Online Banking.
Frequently asked questions
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Can I request a balance transfer using a Westpac debit card?
A debit card is tied to a transaction account with money in it (it's not debt). You can't transfer debt to your checking account.
If you have enough money in your transaction account to cover the balance of your credit card, it's best to pay it off because the balance on your credit card costs you a lot in interest charges each month.
What if I don't repay my transferred balances by the end of the offer period?
At the end of the credit card's promotional period, any remaining balance transferred amount that you’ve not repaid will be charged interest at the variable cash advance rate of your card.
Will I get my interest-free days if I use my card?
If your card has interest-free days on purchases, you will still benefit from these if you choose to have a balance transfer balance on the account.
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Keep exploring
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What is a credit card balance transfer?
Compare balance transfer offers and reading the fine print.
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A handy guide to help you pay off your credit card.
A handy guide to help you pay off your credit card.
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Apply for a balance transfer
You'll need your Westpac credit card, 8-digit customer number and password.
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Let's begin
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Don't have a Westpac credit card?
Use the selector to find an eligible card
that’s right for you.
that’s right for you.
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Find out more
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Things you should know
Westpac Credit Cards Key Facts Sheet
Credit Card Terms and Conditions
ID checklist to become a customer
Westpac Extras Terms and Conditions
Credit criteria, fees and charges apply. Credit Card Product Switches and upgrades are ineligible.
This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
SmartPlans are currently available for eligible Westpac consumer credit cards. Fees may apply.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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