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Bonus rewards points with balance transfer offers

Westpac Altitude Platinum credit card

80,000 bonus Altitude Points>

Earn 80,000 bonus Altitude Points> on the Altitude Rewards Platinum card. Minimum spend $3k applies.

0% p.a. for 18 months on balance transfers requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.

Plus, $99 annual card fee for the first year ($150 thereafter)++.

Westpac Altitude Platinum credit card

60,000 bonus Qantas Points>

Earn 80,000 bonus Qantas Points> on the Altitude Qantas Platinum card. Minimum spend $3k applies.

0% p.a. for 18 months on balance transfers requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.

Plus, $99 annual card fee for the first year ($150 thereafter)++.

60,000 bonus Velocity Points>

Earn 80,000 bonus Velocity Points> on the Altitude Velocity Platinum card. Minimum spend $3k applies.

0% p.a. for 18 months on balance transfers  requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.

Plus, $99 annual card fee for the first year ($150 thereafter)++.

Westpac Altitude Black credit card

150,000 bonus Altitude Points^

Earn 150,000 bonus Altitude Points^ on the Altitude Rewards Black card. Minimum spend $4k applies†.

0% p.a. for 18 months on balance transfers requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.

Westpac Altitude Black credit card

Up to 120,000 bonus Qantas Points~

Earn up to 120,000 bonus Qantas Points~ on the Altitude Qantas Black card. Minimum spend $4k applies†.

0% p.a. for 18 months on balance transfers requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.

Up to 120,000 bonus Velocity Points~

Earn up to 120,000 bonus Velocity Points~ on the Altitude Velocity Black card. Minimum spend $4k applies†.

0% p.a. for 18 months on balance transfers requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.


Purchase rate offer

Westpac Low Rate credit card

Balance transfer and first year fee waiver offer

Westpac Low Rate credit card

0% p.a. for 28 months on balance transfers**

Requested at application of a Low Rate card.

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)^^.


Need help with credit cards?

Things you should know

>Bonus Altitude, Qantas or Velocity Points Promotion Altitude Platinum: To qualify for the bonus points you must apply and be approved for a new Altitude Platinum card between 31st March 2021 and 7th September 2021 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. Eligible purchases do not include interest, fees and 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 from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points, Velocity 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. Velocity Points or Qantas Points earned during a statement cycle are added to your Velocity or 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, 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 from the card account.

>>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum 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 Altitude Platinum 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.

++Reduced First year Annual Card Fee: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Platinum card between 31st March 2021 and 7th September 2021. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.  

^Bonus Altitude Points Promotion Altitude Black: To qualify for the bonus point promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 31st March 2021 and 7th September 2021, and spend $4,000 or more on eligible purchases within 90 days of card approval in one or more transactions. Eligible purchases do not include interest, fees and 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 from the card account. The bonus Altitude 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.

##Altitude Black Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Black 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 Altitude Black 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.

~ Bonus Qantas or Velocity Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Black credit card between 31st March 2021 and 7th September 2021.
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 or Velocity Points earned during a statement cycle are added to your Qantas or Velocity 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, 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 from the 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 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.