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I value rewards points and complimentary insurances.
I don’t think I’ll pay off my balance in full each month.
I don’t want to pay interest, and would rather pay a monthly fee if I have a balance owing.
I want to save on fees and plan to pay my balance off in full each month.
Our latest offers
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Explore the rewards cards and programs and apply online.
A simple, affordable, way to pay with 0% interest, a low credit limit and a monthly fee you can avoid – if you pay your previous month’s balance by the due date.
Westpac Low Rate card
A low ongoing purchase rate and low annual card fee.
Westpac Lite card
Our lowest credit card purchase rate, plus no fees on foreign transactions.
Low Annual Fee card
With low annual card fees, or none with a minimum annual spend, our Low Fee credit card can help lower costs – if you plan to pay off your balance in full each month.
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.
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 Cashback promotion: the cashback offer is available when you apply and are approved for a new Westpac Low Rate credit card between 31st August 2021 and 24th February 2022, and spend $4,000 or more on eligible purchases within 4 months (120 days) from card approval. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Only one cashback will be paid per customer. $400 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. Existing Westpac customers who currently hold a Low Rate or Lite credit card, or who have held one in the last 12 months, are not eligible for this offer.
**Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 31st August 2021 and 24th February 2022, 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 Card Fee Waiver: is available when you apply and are approved for a new Low Rate credit card between 31st August 2021 and 24th February 2022. 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 19th October 2021 and 24th February 2022. 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 card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card) in each 12-month period, starting from the date you made your first transaction.
Monthly fee waiver: Flex Card has a flat Monthly Fee. The Monthly Fee is charged to your Flex Card Account each month and once it is charged it forms part of your balance. This Monthly Fee will, subject to the Flex Card Terms and Conditions, be waived if you pay off the Closing Balance shown on your previous statement by the payment due date shown on your statement.
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 eligible Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the 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 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 (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
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. Points are uncapped until 1 January 2022.
From 1 January 2022: For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap. For more information view the .
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