On 30 November 2026, we’re making updates to the fees, rates and minimum payment due, to the Westpac Low Rate, Lite and Low Fee credit cards. Find out more.
If you're an existing customer, you'll receive a personalised communication in October outlining your changes.
Whether you choose Platinum or Black, our Altitude Rewards credit cards have plenty of flexibility in how you use them. On top of redeeming for gift cards, travel, products from our online store or cashback, you can also exchange them for frequent flyer points with our partner airlines.
Get up to 150,000 bonus Altitude Rewards Points[#] — 90,000 Rewards Points in year 1 if you spend $9k+ on eligible purchases[#] within 90 months of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases[#] in year 2.
Plus, a $0 first year card fee (reverts to $295 p.a. thereafter).[#] Sign in to apply. T&Cs apply.
Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. T&Cs apply.
Get up to 90,000 bonus Altitude Rewards Points[#] — 60,000 Rewards Points in year 1 if you spend $6k+ on eligible purchases[#] within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2.
Plus, a $0 first year card fee (reverts to $295 p.a. thereafter).[#] Sign in to apply. T&Cs apply.
Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. T&Cs apply.
Our Low Rate card provides a lower interest rate on purchases, plus a lower monthly card fee to help reduce your credit card costs.
Up to $450 cashback – $75 cashback for each month you spend $1k+ on eligible purchases in the first 6 months from card approval.[#]
Plus, a $0 first year card fee (reverts to $7 monthly).[#] Sign in to apply. T&Cs apply.
New cards only. These are standard rates and fees.
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.
Plus, a $0 first year card fee (reverts to $7 monthly).[#] Sign in to apply. T&Cs apply.
New cards only. These are standard rates and fees.
Westpac Credit Cards Key Facts Sheet
Credit Card Terms and Conditions
Credit criteria, fees and charges apply. Credit card switches, upgrades or Westpac group staff 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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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.
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