Credit cards
Know the type of card you want?
Our latest offers
Altitude Rewards Platinum
Earn 80,000 bonus Altitude Rewards points, 0% p.a. balance transfer for 18 months and more
Low Rate card
0% p.a. balance transfer for 28 months + first year annual card fee waiver (saving you $59)
Altitude Rewards Black
Earn 150,000 bonus Altitude Rewards Points + 0% p.a. balance transfer for 18 months
Rewards cards
These cards trade off a higher annual card fee in return for earning Westpac Altitude, Qantas or Velocity Points, plus additional benefits like complimentary insurances4.
Westpac Altitude Rewards
Westpac's own Altitude rewards program gives you plenty of flexibility in how you can use your points.
Choose from retail gift cards, cashback, a range of partner airlines, our own online store or our unique ‘Pay by Points’ feature. Just as important, you can earn points at a higher rate with select merchants and airlines.
There's no annual rewards fee for this program.
Altitude Qantas
Earn Qantas Points which will be credited directly into your Qantas Frequent Flyer Account, where they can be redeemed for flights, upgrades, shopping and more.
A $50 annual Altitude Qantas Rewards fee applies to this program.
Altitude Velocity
Earn Velocity points which are credited directly into your Velocity Frequent Flyer Account. Then redeem those points for flights, upgrades, shopping and more.
A $50 annual Altitude Velocity Rewards fee applies to this program.
Low Rate credit cards
Having our lowest interest rates on purchases means these everyday cards could be worth considering if you’re unlikely to pay off your balance in full each month.
Westpac Low Rate card
A low ongoing purchase rate and low annual card fee.
| $59 | Annual card fee |
| 13.74% p.a. | Variable purchase rate |
| $500 | Minimum credit limit |
| Up to 55 days | Interest-free on purchases2 |
Special offer
0% p.a. for 28 months on balance transfers requested at card application**. 1% balance transfer fee applies. After 28 months the rate reverts to the variable cash advance rate. Plus, a first year fee waiver (saving you $59)^^.
New cards only. T&Cs apply.
Westpac Lite card
Our lowest credit card purchase rate, plus no fees on foreign transactions.
| $9 | Monthly card fee ($108 annually) |
| 9.90% p.a. | Variable purchase rate |
| $500 | Minimum credit limit |
| Up to 45 days | Interest-free on purchases2 |
Selected benefits
Zero foreign transaction fees – including for online shopping.
Low Annual Fee cards
With low annual card fees, or none with a minimum annual spend, these credit cards can help lower costs – if you plan to pay off your balance in full each month.
Westpac Low Fee
Everyday credit, with a low annual card fee (or no fee with minimum spend)*
| $0 | Annual card fee for first year |
| $30 |
Ongoing annual card fee* ($0 with $5k p.a. spend) |
| 20.09% p.a. | Variable purchase rate |
| $500 |
Minimum credit limit |
| Up to 55 days | Interest-free on purchases2 |
Special offer
0% p.a. on purchases for 15 months# from card approval.
New cards only. T&Cs apply.
Westpac Low Fee Platinum
Platinum extras, with a low annual card fee (or no fee with minimum spend)*
| $0 | Annual card fee for first year |
| $90 |
Ongoing annual card fee* ($0 with $10k p.a. spend) |
| 20.09% p.a. | Variable purchase rate |
| $6,000 | Minimum credit limit |
| Up to 55 days | Interest-free on purchases2 |
Selected benefits
Complimentary insurance covers4.
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.
Cards with a balance transfer offer
Save on credit card interest and fees by transferring the balance of up to 3 other credit cards – interest-free for an introductory period. After the introductory period, any unpaid transferred balance will revert to the ongoing cash advance rate.
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.
More to help you choose
Existing customers
Things you should know
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.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
**Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 31st March 2021 and 7th September 2021, 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 unless the amount is paid off earlier. 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. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.
^^ Low Rate First-Year Annual Card Fee Waiver: is available when you apply and are approved for a new Low Rate credit card between 31st March 2021 and 7th September 2021. After the first year, the $59 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.
#Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply and are approved for a new Low Fee credit card between 31st March 2021 and 7th September 2021. After 15 months the rate will switch to the variable purchase rate then applicable to your card account.
*Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved 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.
2. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.
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 277KB) 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 Credit Card Terms and Conditions (PDF 240KB) 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.
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 391KB) which may be amended from time to time. Westpac does not guarantee this insurance.
Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude 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.
Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $50 Rewards fee applies for customers who choose this option.
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.
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com
6. Rewards Points: The earning and redemption of Altitude Points, Velocity 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 you have not paid the Minimum Payment Due in full and on time and in other circumstances. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.