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
Annual card fee
| Rewards | |
| Altitude Platinum Card (Altitude Rewards, Altitude Qantas, Altitude Velocity) | $175 ($75 annual Rewards Program fee applies for Altitude Qantas and Velocity programs) |
| Altitude Black Card (Altitude Rewards, Altitude Qantas, Altitude Velocity) | $295 ($75 annual Rewards Program fee applies for Altitude Qantas and Velocity programs) |
| Low Fee | |
| Low Fee card | $30[#] |
| Low Rate | |
| Westpac Lite Card | $9 monthly (equating to $108 per year) |
| Low Rate Card | $7 monthly (equating to $84 per year) |
Foreign transaction fee
We charge a 3% Foreign Transaction Fee as a percentage of the Australian dollar value of any Foreign Transaction (includes transactions in a foreign currency, or in any currency with a merchant or processing entity located outside Australia).
Foreign Transaction Fees do not apply to the Westpac Lite Card and the Flex Card.
Cash advance fee
Cash advances/ Withdrawals Fee Transactions treated as Cash Advances include transactions where you use your card account to: Withdraw cash through an ATM or at a financial institution, or
Receive a cash substitute from a Merchant (e.g. purchasing gambling chips/ tokens), or
Purchase foreign exchange.
3.5% of the value of the transaction will apply to each cash advance. Refer to the Credit Card Terms and Conditions.
Cash Advances are not available on the Westpac Lite Card, PartPay Card and the Flex Card.
Balance Transfer Fee
Balance transfer fee may apply. Balance transfers are not available on the Westpac Lite Card and the Flex Card.
Missed Payment Fees
A charge of $20 may be payable each statement cycle if the whole of the minimum monthly payment is not paid by statement due date. Missed Payment Fees do not apply to the Westpac Lite Card and the Flex Card.
Overlimit Fee
The overlimit fee applies to credit card accounts opened before 4 June 2012. A $15 fee may be charged if the credit limit is exceeded during the statement cycle. This fee may also apply whenever your account is over limit at the beginning of a new cycle.
Fees stated are current as at 16/11/2021, but may change from time to time. We will notify you of changes as required under the Credit Card Terms and Conditions for personal credit card accounts, or the Conditions of Use for business credit card accounts. All fees are debited to your credit card account under the Credit Card Terms and Conditions/Conditions of Use for the account. The fees are payable as part of the minimum payment required under those Credit Card Terms and Conditions/Conditions of Use. A Credit Card Offer and Credit Card Terms and Conditions/Conditions of Use will be provided at the time of approval. Please refer to these documents for full information on the fees and charges applicable to your credit card account.
World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.