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At a glance

$0 Card fee for first year
$30 Ongoing annual card fee* (or $0 with $5k p.a. spend)
20.99% p.a. Variable purchase rate
21.99% p.a. Variable cash advance rate
$500 Minimum credit limit 
$30,000 p.a. Minimum income required
New cards only. See below for standard rates and fees.


Low (or no) annual card fees

No annual card fee (as long as you make a minimum spend of $5k each year) can help cut costs – as long as you pay off your purchases by the due date each month to avoid the higher interest rates.

Split purchases into 4 payments​

Take advantage of the PartPay feature on your credit card account to split purchases into 4 payments over 6 weeks. Just turn on to start using.

Up to 55 days interest-free

To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

Other reasons to choose

With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.​

Master your money within the Westpac App

Take control of your money within the Westpac App

Powerful money management tools in the palm of your hand.

Get spend and cash flow insights

Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories

Manage your cards in one place

Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app’s convenient Cards Hub.

View and transfer funds fast

Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.


Standard rates and fees

New cards only


Follow these tips to minimise credit card fees and charges.

Annual card fee $0 card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $5k or more on purchases in each 12 months from the Card Fee date. Otherwise card fee is $30 p.a.*.

Foreign transaction fee


Payable as a percentage of the Australian dollar value of any foreign transaction.

Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee

3% of the value of the transaction will apply to each cash advance made on your card account.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.

Alternative credit cards

Frequently asked questions

Make purchases at an ongoing variable rate of 20.99% p.a.

Withdraw cash at a variable rate of 21.99% p.a.

Things you should know

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff 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.

*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 Card Fee 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 Online Banking terms and conditions (PDF 555KB) available at 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. Note: To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan. 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 Credit Card Terms and Conditions (PDF 273KB) 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.

Autopay: A fixed dollar or percentage of your monthly credit card statement “closing balance” will be paid. If the “closing balance” is less than your nominated amount, only the “closing balance” will be paid. If your nominated amount falls below the “minimum payment due”, Westpac will debit the “minimum payment due”. Not applicable to Flex Card or in relation to PartPay Autopay. For more information on applicable Autopay preferences on Flex Card, refer to the Terms and Conditions (PDF 327KB).

Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.