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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.

Benefits
  • Variable interest rate of 9.90% p.a. on purchases
  • No fees for foreign transactions
  • $9 monthly card fee, no annual card fee
  • 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.

Balance transfer

0% p.a. for 24 months on balance transfers requested at card application (a 1% balance transfer fee applies). The rate then switches to applicable variable cash advance rate.#

$0 annual card fee for the first year (saving $59)+

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.

Westpac Altitude Platinum credit card

Altitude Platinum

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

Special offer

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

$0 annual card fee for the first year (saving $150)+

Westpac Altitude Black credit card

Altitude Black

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

Special offer

Earn 80,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Black credit card within 90 days of card approval. Exclusions apply.^

American Express® Westpac Altitude Card

Enjoy a two-card bundle when you add an American Express Altitude Card, issued by American Express to your Westpac Altitude card.

Special offer

Earn up to 120,000 bonus Altitude or Qantas Points on the Black Card bundle. Minimum spend 3K on each card applies. Conditions apply. ~


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

0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable 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

0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable 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

Consumer Credit Cards - Conditions of Use (PDF 280KB)

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 Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.

American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313.

American Express will pay a monthly commission to Westpac in relation to your account. As the commission is dependent on all American Express Westpac Altitude customers’ use of their Cards, the amount is not ascertainable. Fees or charges in relation to this Card are only payable to American Express, not Westpac.

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 12th June 2018 and 23rd October 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% (a 1% on new Low Rate Cards) 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 80% 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. 

+Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Low Rate or Altitude Platinum credit card between 12th June 2018 and 23rd October 2018. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

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, so debts accruing a higher interest rate may be 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. SmartPlan cancellation takes up to 2 Business Days. Any SmartPlan Remaining Balance will revert to the variable interest rate for your balance type or special offer rate as applicable.

^Bonus Rewards Points for Westpac Altitude Cards: When you apply and are approved for a new Altitude Platinum or Altitude Black credit card between 12th June 2018 and 23rd October 2018, and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum Visa card or $3,000 on eligible purchases on an Altitude Black Mastercard within 90 days from card approval in one or more transactions.

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, 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:

Priority Pass Membership: To enrol, go to altitudeblack.com.au. Lounge usage in excess of two visits per 12-month membership period and all guest visits will be charged directly to your Altitude Black World Mastercard at the prevailing visit fee which is 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 the prevailing visit fee which is currently US$27 per person, per visit, which will be automatically charged on the cardholder's Altitude Black World Mastercard. A Westpac Foreign Transaction Fee will apply to the conversion amount. Prices are current as of February 2018. The date of visits determines which year of membership the visit is allocated to. Unused visits cannot be carried forward to the following 12-month period of membership. The number of free visits will be reset to two per each 12-month period. If have enquiries about the Priority Pass program, contact Priority Pass by visiting the Contact Us page on www.prioritypass.com. For full details on terms and conditions, 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.

Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. 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, BPAY and BPAY equivalent transactions do not earn Reward Points. 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 12th June 2018 and 23rd October 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.

American Express® Westpac Altitude Black Card

~American Express Westpac Altitude Black Card bonus points promotion: Offer only available to Cardholders who apply online for the new American Express Westpac Altitude Black Card before 23 October 2018, are approved and spend $3,000 on eligible purchases on their new Card within 90 days of Card approval. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for traveller’s cheques and foreign currencies. For the full list of exclusions, please refer to the American Express Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c  Bonus Points will be awarded to the eligible Card Member’s account 8-10 weeks after the spend criteria have been met.

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.

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