Credit Card Offers
IMPORTANT NOTICE: From 20 June 2024, some of our credit card rates will increase, find out more. |
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Cashback offer
Up to $350 cashback
$50 cashback for each month you spend $1k+ on eligible purchases in the first 7 months from Low Rate card approval<.
Already with Westpac? Sign in to apply and we’ll waive your first year’s card fee^^.
$100 Cashback with ShopBack
Get $100 Cashback when you spend $100+ on Gift Cards purchased via Shopback.com.au within 90 days of card approval.<<
Balance transfer offer
0% p.a. for 28 months on balance transfers**
Requested at application of a Low Rate card. 2% balance transfer fee applies.
After 28 months the rate reverts to the standard variable cash advance rate.
Already with Westpac? Sign in to apply and we’ll waive your first year’s card fee^^.
Bonus reward points offers
Up to 120,000 bonus Altitude Points
Earn up to 120,000 bonus Altitude Points on the Altitude Rewards Platinum card.
Already with Westpac? Sign in to apply and we’ll waive your Annual Card Fee for the first year.
Up to 80,000 bonus Qantas Points
Earn up to 80,000 bonus Qantas Points on the Altitude Qantas Platinum card.
Up to 80,000 bonus Velocity Points
Earn up to 80,000 bonus Velocity Points on the Altitude Velocity Platinum card.
Up to 150,000 bonus Altitude Point
Earn up to 150,000 bonus Altitude Rewards Points on the Altitude Rewards Black card.
Up to 120,000 bonus Qantas Points
Earn up to 120,000 bonus Qantas Points on the Altitude Qantas Black card.
Up to 120,000 bonus Velocity Points
Earn up to 120,000 bonus Velocity Points on the Altitude Velocity Black card.
Need help with credit cards?
More to help you choose
Existing customers
Things you should know
Credit criteria, fees and charges apply. Credit Card Product 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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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 up to $350 cashback offer is available when you apply and are approved for a new Low Rate credit card between 2nd November 2023 and 31st July 2024. $50 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for the first 7 statement periods from card approval. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. 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. Cashback is only available on one credit card account per customer. $50 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. This promotional offer is not available if you apply under the Westpac Premier Advantage Package.
**Low Rate Balance Transfer promotion: This offer is available when you apply for a new Low Rate credit card between 28th February 2024 and 31st July 2024, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. 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. A balance transfer fee of 2% of the transferred balance(s) will apply to balance(s) transferred to the Westpac 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 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.
^^Existing customers only - Low Rate First Year Card Fee Waiver: is available for existing Westpac customers when you apply and are approved for a new Low Rate credit card between 2nd November 2023 and 31st July 2024. After the first year, the $59 card fee will be debited to your account annually on the 12-month anniversary of the Card Fee date.
<<Low Fee ShopBack Cashback promotion: the $100 cashback offer is available when you apply and are approved for a new Low Fee credit card between 12th December 2023 and 30th April 2024. $100 cashback will be awarded when $100 or more is spent in one or more transactions on Gift Cards via ShopBack.com.au within 90 days of new card approval. Cashback is only available on one credit card account per customer. $100 cashback will be paid as a statement credit to your Low Fee credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. This promotional offer is not available if you apply under the Westpac Premier Advantage Package.