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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. Balance(s) transferred will be at the special balance transfer rate of 6.99% p.a. for 12 months1. Rate then switches to the standard variable cash advance rate.

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. Please remember to enter promotional code REF12 when applying online.

Not registered for online banking?

If you're not registered for Online Banking, download this credit card balance transfer form (PDF 49KB), and once completed, post to:

Westpac Card Services,
Reply Paid 4318
Sydney, NSW 2001

Allow a minimum of 10 working days for your credit card balance transfer to be processed.


Things you should know

Consumer Credit Card - Conditions of Use (PDF 305KB)

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

1. Terms and conditions: The promotional balance transfer rate of 6.99% p.a. for 12 months is available when you to transfer balance(s) from up to 2 non-Westpac Australian issued credit, charge or store cards. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. Promotional rate will apply to any balance(s) transferred (min $200 up to 80% of your approved available credit limit) for 12 months, unless the amount is paid off earlier. The variable cash advance rate will apply to balance(s) transferred but left unpaid after 12 months. 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). Interest free days don't apply to balance transfers.