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Why choose a Westpac credit card?

Earn bonus Cashback

Westpac customers can access exclusive bonus Cashback when shopping with ShopBack#.

Split purchases into 4 payments

PartPay feature is available on Low Rate, Low Fee, Altitude Platinum or Black credit cards.

Dynamic CVC

The CVC on your digital credit card changes every 24 hours for added fraud protection.

#1 Banking App

The Westpac App has features to help you budget, save and stay on top of your finances*.

Credit card offers

Check out our cashback, bonus points and balance transfer offers.

Explore latest offers

Find a Westpac credit card that's right for you

Rewards cards

Rewards cards

I want rewards points, complimentary insurances and added cardholder perks.

Low rate cards

Low rate cards

I want a low rate as I'm not likely to pay off my balance in full each month.

Low fee card

Low fee card

I want to save on card fees and plan to pay my balance off in full each month.

Westpac Flex 0% Interest Credit Card

Flex 0% interest card

I want a 0% interest card where I'll only pay a fee if I have a balance owing.

Frequently asked questions

What's a credit card?

It's a card issued by a bank or financial institution that gives you access to money to make cashless payments. Unlike a debit card, the money accessed is borrowed, meaning it must be paid back, along with any interest and other charges like an annual fee. Different types of credit cards include rewardslow rate and low fee cards, each with varying features, benefits and costs.

How does a credit card work?

A credit card lets you make cashless payments with borrowed money you'll need to repay. Interest is also charged on that money, though many credit cards offer conditional interest-free periods. Paying your credit card off sooner can help reduce interest charges. Your credit score could be affected if you don’t repay at least the minimum amount due each month.

How do I get a credit card?

You can apply for a Westpac credit card online or at any branch. We’ll ask for certain documentation – though this may vary if you already have an account with us – for proof of where you live, a regular income (minimum income requirements depend on card type), repayment ability, and a credit check. The act of applying for a credit card will affect your credit rating.

Keep exploring

Comparing reward cards

With so many rewards credit cards on the market, it can pay to do your homework before choosing a rewards card to suit your needs.

Explore now

Redeem Altitude Points

Altitude Points can be used for much more than just shopping and travel. They could even help get you ahead financially.

Learn more

Balance transfer how-to

Transfer the balance of one or more credit or store cards to one Westpac credit card to manage and consolidate your debts.

Find out how

Things you should know

Credit criteria, fees and charges apply. Credit Card Product 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.

*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks.

#Cashback (including Westpac Bonus Cashback) is offered by ShopBack and not Westpac Banking Corporation (Westpac). Cashback offers are not exclusive to Westpac cardholders. Westpac Bonus Cashback is offered exclusively to Westpac cardholders who have access to Bonus Cashback on top of any other available Cashback. Offer information displayed in the Westpac App are provided by ShopBack. The ShopBack account is not a Westpac account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and T&Cs apply. See ShopBack for further details.

The Digital Card is only available in the Westpac App and supported with the latest version of the Westpac App. The terms and conditions applicable to your product also apply to the use of your digital card. Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.