Credit cards
Whichever credit card you're after, you'll find it with a little Westpac.
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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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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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- product-service:credit-cards/altitude-rewards-black
- product-service:credit-cards/altitude-rewards-black
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 get up to 200,000 bonus Altitude Rewards Points[#]
- Plus, a $0 first year card fee (reverts to $295 p.a. thereafter)[#]
- Earn up to 3 Altitude Points per $1 spent on eligible purchases[#]
- Complimentary International Medical Travel Insurance,[#] Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia [#]
New cards only. Offer not available if you’ve held a Westpac Rewards card in the last 24 months. T&Cs apply. See ‘Things you should know’ for further information.
Rates
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- Annual card fee - $295
- Annual Rewards Program Fee for Altitude Rewards - $75
- Purchase rate - 23.98% p.a.
- Minimum credit limit - $6,000
- Minimum income - $75,000 p.a.
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Apply now
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- product-service:credit-cards/altitude-qantas-black
- product-service:credit-cards/altitude-qantas-black
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
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- You could get up to 150,000 bonus Qantas Points[#]
- Plus, a $0 first year card fee (reverts to $295 p.a. thereafter)[#]
- Earn up to 1.5 Qantas Points per $1 spent on eligible purchases[#]
- Plus get 1 bonus Qantas Point per $1 spent on selected Qantas products and services[#] in Australia
- Complimentary International Medical Travel Insurance,[#] Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]
New cards only. Offer not available if you’ve held a Westpac Rewards card in the last 24 months. T&Cs apply. See ‘Things you should know’ for further information.
Rates
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- Annual card fee - $295
- Annual Rewards Program fee for Qantas Frequent Flyer - $155
- Purchase rate - 23.98% p.a.
- Minimum credit limit - $6,000
- Minimum income - $75,000 p.a.
x
Apply now
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- product-service:credit-cards/altitude-velocity-black
- product-service:credit-cards/altitude-velocity-black
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
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- You could get up to 150,000 bonus Velocity Points[#]
- Plus, a $0 first year card fee (reverts to $295 p.a. thereafter)[#]
- Earn up to 1.5 Velocity Points per $1 spent on eligible purchases[#]
- Complimentary International Medical Travel Insurance,[#] Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]
New cards only. Offer not available if you’ve held a Westpac Rewards card in the last 24 months. T&Cs apply. See ‘Things you should know’ for further information.
Rates
info
- Annual card fee - $295
- Annual Rewards Program fee for Velocity Frequent Flyer - $155
- Purchase rate - 23.98% p.a.
- Minimum credit limit - $6,000
- Minimum income - $75,000 p.a.
x
Apply now
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- product-service:credit-cards/altitude-rewards-platinum
- product-service:credit-cards/altitude-rewards-platinum
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 get up to 100,000 bonus Altitude Rewards Points[#]
- Plus, a $0 first year card fee (reverts to $175 p.a. thereafter)[#]
- Earn up to 2 Altitude Points per $1 spent on eligible purchases[#]
- Complimentary International Medical Travel Insurance[#] and Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]
New cards only. Offer not available if you’ve held a Westpac Rewards card in the last 24 months. T&Cs apply. See ‘Things you should know’ for further information.
Rates
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- Annual card fee - $175
- Annual Rewards Program Fee for Altitude Rewards - $75
- Purchase rate - 23.98% p.a.
- Minimum credit limit - $3,000
- Minimum income - $30,000 p.a.
x
Apply now
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- product-service:credit-cards/altitude-qantas-platinum
- product-service:credit-cards/altitude-qantas-platinum
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 get up to 100,000 bonus Qantas Points[#]
- Plus, a $0 first year card fee (reverts to $175 p.a. thereafter)[#]
- Earn up to 0.75 Qantas Points per $1 spent on eligible purchases[#]
- Plus get 1 bonus Qantas Point per $1 spent on selected Qantas products and services[#] in Australia
- Complimentary International Medical Travel Insurance,[#] Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]
New cards only. Offer not available if you’ve held a Westpac Rewards card in the last 24 months. T&Cs apply. See ‘Things you should know’ for further information.
Rates
info
- Annual card fee - $175
- Annual Rewards Program fee for Qantas Frequent Flyer - $125
- Purchase rate - 23.98% p.a.
- Minimum credit limit - $3,000
- Minimum income - $30,000 p.a.
x
Apply now
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- product-service:credit-cards/altitude-velocity-platinum
- product-service:credit-cards/altitude-velocity-platinum
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 get up to 100,000 bonus Velocity Points[#]
- Plus, a $0 first year card fee (reverts to $175 p.a. thereafter)[#]
- Earn up to 0.75 Velocity Points per $1 spent on eligible purchases[#]
- Complimentary International Medical Travel Insurance,[#] Complimentary Domestic Travel Insurance and Rental Vehicle Excess Insurance in Australia[#]
New cards only. Offer not available if you’ve held a Westpac Rewards card in the last 24 months. T&Cs apply. See ‘Things you should know’ for further information.
Rates
info
- Annual card fee - $175
- Annual Rewards Program fee for Velocity Frequent Flyer - $125
- Purchase rate - 23.98% p.a.
- Minimum credit limit - $3,000
- Minimum income - $30,000 p.a.
x
Apply now
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Things you should know
Rewards Points: The earning and redemption of Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
Altitude Qantas: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.
Rewards Points: The earning and redemption of Velocity Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay Purchases are based on the full value of the purchase, and not on each instalment amount. Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
Altitude Velocity: To earn and redeem points, you must be a member of the applicable Frequent Flyer program. Annual Rewards Program fees apply and vary by rewards program. See the applicable card's product page for details.
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.