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Rewards and frequent flyer credit cards
Earn Altitude or Qantas Points with a Westpac Altitude card. To enjoy more points and benefits, bundle it with an American Express® Westpac Altitude Card issued and serviced by American Express.
Westpac Altitude Platinum
Essentials
- Earn 1 Altitude Point or 0.5 Qantas Points per $1 spent on all eligible purchases6
- $150 annual card fee
- With Altitude Rewards boost your points earn with selected merchants.
Benefits
- Complimentary insurance covers4
Special offer
Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas Points.> Minimum spend $3k applies. Conditions and exclusions apply.†
Altitude Platinum Bundle
Essentials
- Earn up to 2 Altitude Points or 1 Qantas Point per $1 spent on eligible purchases in Australia, uncapped6
- $199 annual card fee.
Benefits
- All the benefits of the Altitude Platinum Card
- Access to Amex Offers and American Express Invites.
Special offer
Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas Points on the Mastercard.> Minimum spend $3k applies. Conditions and exclusions apply.†
Westpac Altitude Black
Essentials
- Earn 1.25 Altitude Points or 0.75 Qantas Points per $1 spent on all eligible purchases6
- $250 annual card fee
- With Altitude Rewards boost your points earn with selected merchants.
Benefits
- Additional complimentary insurance covers4
- Premium concierge services
- Up to 2 complimentary lounge passes.3
Special offer
Earn 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas Points.~ Minimum spend, conditions and exclusions apply.†
Altitude Black Bundle
Essentials
- Earn up to 3 Altitude Points or 1.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped6
- $449 annual card fee.
Benefits
- All the benefits of the Altitude Black Card
- Up to 4 complimentary lounge passes3
- Access to Amex Offers and American Express Invites.
Special offer
Earn 150,000 bonus Altitude Points^ or up to 120,000 bonus Qantas Points~ on the Mastercard. Minimum spend, conditions and exclusions apply.†
Altitude Blended Bundle
Essentials
- Earn up to 3 Altitude Points or 1.25 Qantas Points per $1 spent on eligible purchases in Australia, uncapped6
- $349 annual card fee.
Benefits
- All the benefits of the Altitude Platinum Card
- Up to 2 complimentary lounge passes3
- Access to Amex Offers and American Express Invites.
Special offer
Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas Points on the Mastercard.> Minimum spend $3k applies. Conditions and exclusions apply.†
0% p.a. balance transfer for 20 months with a Low Rate Card
1% balance transfer fee applies. After 20 months any remaining balance transfer amount reverts to the variable cash advance rate**
Online only offer for new cards. T&Cs apply. Find out more
Low rate credit cards
Everyday credit with our lowest interest rates on purchases.
Westpac Low Rate Card
Essentials
- 13.74% p.a. variable purchase rate
- 21.49% p.a. variable cash advance rate
- $59 annual card fee
- $500-$50,000 credit limit.
Special balance transfer offer
0% p.a. for 20 months on balance transfers**. 1% balance transfer fee applies. After 20 months the rate reverts to the variable cash advance rate.
Plus, $200 cashback with $1k minimum spend+.
Online offer only. Conditions, T&Cs apply.
Westpac Lite Card
Essentials
- 9.90% p.a. variable purchase rate
- No cash advances
- $9 monthly card fee
- $500-$4,000 credit limit.
Extra value
Shopping online or travelling overseas? Pay no fees on foreign transactions.
Low annual fee credit cards
Everyday credit with no annual card fee in the first year.
Westpac Low Fee
Everyday credit, without the annual card fee (minimum spend applies).*
Essentials
- 20.09% p.a. variable purchase rate
- 21.49% p.a. variable cash advance rate
- Pay no interest on purchases for up to 55 days when you pay off your balance in full each month.
Westpac Low Fee Platinum
Platinum extras and no annual card fee (minimum spend applies).*
Essentials
- 20.09% p.a. variable purchase rate
- 21.49% p.a. variable cash advance rate
- Pay no interest on purchases for up to 55 days when you pay off your balance in full each month.
Apple Pay is here
Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.
Need help with your card or application?
How do credit cards work?
Articles on how to use credit cards responsibly and strategically as part of a balanced budget.
Learn about balance transfers
A balance transfer means moving the balance from one or multiple credit or store cards to one credit card making it easier to manage.
Every Westpac personal credit card also comes with these
Frequently asked questions
A credit card works by allowing you to make cashless payments. Unlike a debit card, a credit card uses the bank’s (or other issuing institution’s) money and not yours, so you need to pay it back. They also charge interest on the money borrowed (though many credit cards offer interest-free days on new purchases when repayment conditions are met). Paying your credit card off sooner can help reduce those interest charges. On a similar note, if you don’t repay at least the minimum amount due each month, your credit score could be affected.
To get a credit card you usually apply with a bank, although other institutions offer them too. As you’ll be in-effect borrowing someone else’s money, applications might ask you to demonstrate that you live here, have a regular income (minimum required depends on card type), and are able to make the repayments. You can apply for a Westpac credit card online, via our call centre or in-branch. Our applications include a credit check and we’ll ask for certain documentation – though this might vary if you already have an account with us. Note the act of applying affects your credit rating.
The most common way of using a credit card is to make a cashless payment in person (e.g. by swiping or tapping at a shop), online or by phone. Each month, you’ll be sent a statement listing all your transactions, total amount owing and minimum repayment required. The slower you repay a credit card the more interest you'll pay, so always aim to pay off as much as possible. Westpac credit cards can help keep you on top of your repayments with options like Card Autopay, SmartPlan1 and SMS payment reminders.
More to help you choose
Existing customers
Things you should know
Altitude Rewards Terms and Conditions (PDF 2MB)
American Express Westpac Altitude Credit Card Compensation Deed Poll (PDF 152KB)
American Express Westpac Altitude Cards Points Terms and Conditions
American Express Westpac Altitude Card Insurance Policy
Credit criteria, fees and charges apply. 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.
American Express Westpac Altitude Cards are issued and administered by American Express Australia Limited ABN 92 108 952 085, Australian Credit Licence No. 291313. ® Registered Trademark of American Express Company.
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.
Online only - Cashback and Balance Transfer promotion: The promotional balance transfer and cashback offers on this page are only available when you apply via this website (you will not be eligible for these offers if you apply in Branch or via Call Centre or any other website). These promotional offers are not available if you apply under the Westpac Premier Advantage Package.
+Cashback promotion: The cash back offer is available when you apply and are approved for a new Low Rate credit card between 15th July 2020 and 2nd December 2020 and spend $1,000 on eligible purchases within 90 days of card approval. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. The $200 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. This offer is available with a balance transfer promotion at card application.
**Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 15th July 2020 and 2nd December 2020, 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 1% will apply to balance(s) transferred to a new Low Rate credit card. The balance transfer fee will be charged to the card 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. Westpac 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.
*Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction.
1 SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions (PDF 1MB) available at westpac.com.au. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See Westpac SmartPlan Terms and Conditions (PDF 51KB) for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.
Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.
Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program. An annual $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.
Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 1MB).
3 Complimentary lounge passes disclaimers:
Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. A Westpac Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.
Qantas Club Complimentary Invitations: As a Westpac Altitude Black card cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your 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.
The Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Qantas Complimentary Invitations Portal, provided you are not in breach of the Credit Card Conditions of Use (PDF 305KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantaspoints.com/ffjoinwestpac.
Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the expiry date specified on the invitation, when travelling with Qantas or Jetstar with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number. Qantas Club Complimentary Invitations must not be resold. Qantas reserves the right to cancel invitations and disqualify future invitations that are in breach of this policy.
Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions.
American Express Lounge access: Entry into The American Express Lounges is governed by the full Terms and Conditions available at amex.com.au/airportlounge. All entrants must adhere to the General Conditions of Entry. American Express Westpac Altitude Black Card members are entitled to two entries per calendar year to the American Express Lounges, located at Sydney International Airport or Melbourne International Airport. The total entitlement of two entries per calendar year applies across both Sydney and Melbourne Airport Lounges. Complimentary access is available for the Card Member’s children between the ages of 2-17. Card Member’s wishing to bring additional guests may be subject to a charge that is to be processed on the Card Member’s American Express Card.
4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.
Westpac Altitude Cards
>Bonus Altitude or Qantas Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Platinum card between 1st April 2020 and 5th August 2020 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. 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 Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, 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.
†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.
^Bonus Altitude Points Promotion Altitude Black: To qualify for this promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 1st April 2020 and 5th August 2020, and spend $4,000 or more on eligible purchases within 90 days of card approval. Bonus points will be added to your account within 12 weeks once you’ve met the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.
~ Bonus Qantas Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas Points, you must apply and be approved for a new Altitude Black credit card between 1st April 2020 and 5th August 2020.
You will receive an initial 90,000 bonus points if you spend $4,000 or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria.
You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active.
If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card.
Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, 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.
Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.
6. Rewards Points: The earning and redemption of Altitude Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.
American Express Westpac Altitude Cards
Altitude Points: The earning of Altitude Points and bonus Altitude Points using an American Express issued Altitude Card is subject to the American Express® Westpac Altitude Cards Points Terms and Conditions available at americanexpress.com/australia/altitude-points-t&c Redemption of Altitude Points is subject to the Altitude Rewards Terms and Conditions available at altituderewards.com.au. You may not be able to redeem Altitude Points if your Card account is in arrears for 2 consecutive statement cycles and in other circumstances. 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. Government: Merchants classified as “government” include the Australian Taxation Office, the Australian Postal Corporation (Australia Post), federal/state and local government bodies.
Qantas Points: You must be a member of the Qantas Frequent Flyer program to earn and redeem points. Membership and Qantas Points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Qantas Points are earned on Eligible Purchases in accordance with and subject to the American Express Westpac Altitude Cards Points Terms and Conditions as long as your account remains current and in good standing.
Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.
4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible American Express Westpac Altitude cardholders to claim under it as third party beneficiaries. You must use your American Express Westpac Altitude Card to prepay $500 of travel costs in order to be covered under the overseas travel insurance. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the American Express Westpac Altitude Card Insurance Policy which may be amended from time to time. Westpac does not guarantee this insurance.
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