On 30 November 2026, we’re making updates to the fees, rates and minimum payment due, to the Westpac Low Rate, Lite and Low Fee credit cards. Find out more.
If you're an existing customer, you'll receive a personalised communication in October outlining your changes.
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Up to $450 cashback - $75 cashback for each month you spend $1k+ on eligible purchases[#] in the first 6 months from Low Rate card approval.[#]
Already with Westpac? Sign in to apply and we’ll waive your first year’s card fee.[#]
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0% p.a. for 20 months on balance transfers.
Requested at application of a Low Rate card. 3% balance transfer fee applies.
After 20 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.[#]
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Earn up to 150,000 bonus Qantas Points on the Altitude Qantas Black card.[#]
Already with Westpac? Sign in to apply for a $200 card fee for the first year (reverts to $295 p.a. thereafter).[#] A $155 annual Qantas Rewards Program fee still applies.
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Earn up to 200,000 bonus Altitude Rewards Points on the Altitude Rewards Black card.[#]
Plus, a reduced first year card fee of $200 (reverts to $295 p.a. thereafter).[#]
Already with Westpac? Sign in to apply for a $149 annual card fee for the first year (reverts to $295 p.a. thereafter).[#]A $75 annual Altitude Rewards Program fee still applies.
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Earn up to 150,000 bonus Velocity Points on the Altitude Velocity Black card.[#]
Already with Westpac? Sign in to apply for a $200 card fee for the first year (reverts to $295 p.a. thereafter).[#] A $155 annual Velocity Rewards Program fee still applies.
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Earn up to 100,000 bonus Qantas Points on the Altitude Qantas Platinum card.[#]
Already with Westpac? Sign in to apply for a $99 annual card fee for the first year (reverts to $175 p.a. thereafter).[#] A $125 annual Qantas Rewards Program fee still applies.
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Earn up to 100,000 bonus Altitude Points on the Altitude Rewards Platinum card.[#]
Plus, a reduced first year card fee of $99 (reverts to $175 p.a. thereafter).[#]
Already with Westpac? Sign in to apply and get a $49 first year card fee (reverts to $175 p.a. thereafter).[#]A $75 annual Altitude Rewards Program fee still applies.
- product-service:credit-cards/altitude-velocity-platinum
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Earn up to 100,000 bonus Velocity Points on the Altitude Velocity Platinum card.[#]
Already with Westpac? Sign in to apply for a $99 annual card fee for the first year (reverts to $175 p.a. thereafter).[#] A $125 annual Velocity Rewards Program fee still applies.