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Consolidate credit cards into one

Consolidating multiple balances from non-Westpac credit cards, charge cards or store cards can save you the hassle and cost of maintaining several cards and could offer several benefits:

  • You could potentially save on credit card interest
  • Reduce the number of annual fees you’d pay by having multiple credit or store cards
  • Easier account management with only one statement and monthly payment.

Balance transfer offers

Existing Westpac primary credit card holders can request a balance transfer at any time by visiting Online Banking. Balance(s) transferred to existing credit card account will be at the rate found on our balance transfer application form. After the promotional period ends, any remaining balance transfer amount will accrue interest at the variable cash advance rate of the card.

Balance transfer is not available on the Flex Card.

How to apply online

If you're registered for Online Banking, save time by applying online, where your details are automatically (and securely) included in the form. Once submitted, you'll get a decision on your credit card balance transfer within 60 seconds.


Things you should know

Fees, charges and credit criteria apply. Read the terms and conditions available at request before making a decision.


1. If you’re transferring to an existing Westpac credit card, the promotional balance transfer (BT) rate (found in Online Banking) is available when you transfer up to 2 non-Westpac Australian issued credit, charge or store cards to an existing Westpac credit card. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period (specified via Online Banking), unless the amount is paid off earlier.  If a BT fee applies, it will be charged to your card account on the same day the balance(s) are debited to your account. The variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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.