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Low rate credit cards

Everyday credit with our lowest interest rates on purchases.

Westpac Lite credit card

Westpac Lite Card

A simple credit card with fewer fees and our lowest purchase rate.

Features
  • Variable interest rate of 9.90% p.a. on purchases
  • No fees for foreign transactions
  • Borrow between $500 and $4,000 (credit criteria apply)
  • Plan today for yesterday’s purchases – set up a repayment plan with SmartPlan.1
Westpac Low Rate credit card

Low Rate Card

Trim your costs. Get back to enjoying life.
 

Special offer

Pay no interest for 20 months on balance transfers requested at card application. A 2% balance transfer fee applies. The rate reverts to the variable cash advance rate.#

Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.1


Rewards credit cards

Our Altitude cards may be suitable if you pay off your balance in full each month and want to earn Altitude or Qantas rewards points on eligible purchases.

Read about important changes to our Altitude cards effective 4 April 2018.

Westpac Altitude credit card

Altitude

Earn Altitude or Qantas rewards points on your eligible purchases, which you can redeem for flights, products, gift cards and more.

Special offer

Get up to $20 off every 3rd Uber ride on your new Altitude credit card (total redeemable value of $250 during offer period). Conditions apply.4

Westpac Altitude Platinum credit card

Altitude Platinum

All the benefits of Altitude, plus platinum concierge services and complimentary insurance covers.

Special offer

Enjoy 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum card within 90 days of card approval. Exclusions apply.2

Westpac Altitude Black credit card

Altitude Black

All the benefits of Altitude Platinum, plus uncapped points, complimentary airport lounge passes3 and extended insurance covers.

Special offer

Enjoy 80,000 bonus Qantas or Altitude Points when you spend $5,000 on eligible purchases with a new Altitude Black card within 90 days of card approval. Exclusions apply.2


Low annual fee credit cards

Everyday credit with no annual card fee in the first year.

Westpac 55 Day credit card

55 Day

Everyday credit, without the annual card fee (minimum spend applies).*

Special offer

Pay no interest for 20 months on balance transfers requested at card application. A 2% balance transfer fee applies). The rate reverts to the variable cash advance rate.#

Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.1

Westpac 55 Day Platinum credit card

55 Day Platinum

Platinum extras and no annual card fee (minimum spend applies).*

Special offer

Pay no interest for 20 months on balance transfers requested at card application. A 2% balance transfer fee applies. The rate reverts to the variable cash advance rate.#

Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.1

Things you should know

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or customers accessing employee benefits are ineligible. Offer may be withdrawn or extended at any time.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

#Balance transfer promotion: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 27th October 2017 and 31st January 2018, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers.

1 SmartPlan Disclaimer: SmartPlan requires monthly payments to be made for the term calculated and at the applicable interest rate when the SmartPlan is entered into. All payments made to your account will be applied first to any SmartPlan instalments. Therefore debts accruing a higher interest rate maybe left unpaid during the SmartPlan term. Your balance transfer must have a maximum of 36 months and a remaining term of at least 3 months to be eligible for a SmartPlan. See SmartPlan for more details.

2Bonus points promotion: The respective bonus points promotions are available when you apply for a new Altitude Platinum or Altitude Black credit card between 27th October 2017 and 31st January 2018, and spend the minimum amount of $5,000 on eligible purchases on an Altitude Black credit card or $3,000 on eligible purchases on an Altitude Platinum credit card within 90 days from card approval in one or more transactions.

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

3 Complimentary lounge passes disclaimers:

American Express® Lounge: Start your journey in style at the American Express Lounge next to Gate 24 at Sydney International Airport. Simply swipe your Altitude Black American Express Card at the Lounge Reception for complimentary entry up to two times a calendar year. For more information see full terms and conditions.

Priority Pass Membership: To enrol, go to altitudeblack.com.au. Lounge usage in excess of two visits and all guest visits will be charged directly to your Altitude Black American Express Card at the visit fee of currently US$27 per person, per visit. The first two visits within each 12 month membership period are complimentary to the primary cardholder only, after which every visit would be charged as per the prevailing rates. Any accompanying guests will be charged US$27 per visit, which will be automatically charged on the cardholder's Altitude Black American Express Card. The date of visits determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following year of membership. The number of free visits will be reset to two per each 12-month period. For full details, visit Priority Pass website at prioritypass.com/Conditions-of-use.cfm

Qantas Club Lounge Invitations: To be eligible for the two complimentary Qantas Club Lounge invitations, you must register at loungepass.altitudeblack.com.au and then use your Altitude Black Card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas. Each year you will receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services.

Qantas Club Lounge Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only. Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline of associated lounges. Each invitation is valid for a single visit before the date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club rules.

The two Qantas Club Lounge invitations will be sent to your card account mailing address within 4 weeks of your eligible card spend, provided you are not in breach of the Conditions of Use and your account remains open. The two Qantas Club Lounge invitations will expire on the date printed on the invitations. Qantas Club Lounge invitations will not be issued to customers who do not first register at loungepass.altitudeblack.com.au prior to making the eligible card spend.

4Uber promotion: To be eligible for this offer, customers must apply for a new Westpac Altitude credit card between 27th October 2017 and 31st January 2018, and register their Westpac Altitude credit card as their payment option on their Uber account. Westpac will cover up to $20 for every 3rd  Uber ride paid for using the new Westpac Altitude credit card until 31st August 2018 ("Offer Period"). Discounted rides must be used before 31st August 2018 (one use per ride). This promotion is not available to existing Westpac Altitude credit card holders. Rides cannot be saved. A maximum of $250 in free rides per customer applies during the Offer Period. The offer is valid for Uber rides in Australia only. Only rides paid for using your Personal profile are eligible. The offer excludes Business and Family profiles, uberTAXI rides and rides using the split fare option. You will be notified in the Uber app when the promotion has been activated on your Uber account. If the ride cost exceeds $20, the remaining balance will be charged to your Westpac card. The promotion will end at the end of the Offer Period or when the maximum of $250 in discounted rides has been taken by the eligible customer. This offer includes Uber accounts that are linked to a Westpac Altitude credit card with a joint account. Valid in Australia only. Eligible rides are rides paid for using Personal profile only. Excludes Business & Family profiles, uberTAXI rides and rides using split fare option.) Terms and conditions apply.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. A points cap per statement cycle applies to the Altitude or Altitude Platinum cards. For details, see the Rewards tab on the Altitude and Altitude Platinum product page. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances and BPAY payments do not earn Reward Points. Bonus points do not count towards the points cap. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.  

*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 27th October 2017 and 31st January 2018 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Westpac credit cards are part of the Westpac Group, including St.George, Bank of Melbourne, BankSA and Westpac.

Samsung is a trademark of Samsung Electronics Co. Ltd.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.