Credit cards

Consumer Credit Cards - Conditions of Use (PDF 151KB)

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, customers accessing employee benefits or packaged cards are ineligible.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Rewards Points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.

*55 Day no annual fee promotion: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first transaction on your account. Offer available on new card applications when you apply between 7th July 2016 and 11th October 2016.

Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude, Altitude Platinum, Altitude Black card between 7th July 2016 and 11th October 2016 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac customers who currently hold an Altitude, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer.

^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 7th July 2016 and 11th October 2016. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid 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). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

Purchase rate promotion: The introductory rate of 1.00% p.a. on purchases is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Samsung is a trademark of Samsung Electronics Co. Ltd.

American Express^® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

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