Cards no longer for sale

The Westpac Low Fee Platinum Mastercard is no longer available for sale.

If you currently have a Westpac Low Fee Platinum Mastercard, nothing has changed. All benefits, features and fees outlined still apply.

The important numbers

The Westpac Low Fee Platinum offers existing cardholders:

• Card fee in first year: $0
• Ongoing card fee: $90 ($0 with $10k p.a. spend)
• Variable purchase rate: 20.99% p.a.
• Variable cash advance rate: 21.99% p.a.
• Minimum credit limit: $6,000

What fees apply to this card?

Our Low Rate Visa card is no longer available for sale.

The important numbers

As an existing Low Rate Card Visa cardholder, you’re able to:

• Pay a low variable rate of 13.74% p.a. on purchases.
• Withdraw cash at a variable rate of 21.99% p.a.
• Pay an annual card fee of $59.

What fees apply to this card?

The Westpac Lite Visa card is no longer available for sale.

If you currently have a Westpac lite card, nothing has changed. All benefits, features and fees outlined on this page still apply.
 

The important numbers

The Westpac Lite Card offers existing cardholders:

• a variable rate of 9.90% p.a. on purchases you make with the card
• No foreign transaction fees.
• A $9 monthly card fee and no annual card fee.
• no interest on purchases for up to 45 days when you pay your balance (including monthly card fee) in full each month.

What fees apply to this card?

Our Altitude Platinum Visa card is no longer available for sale.

The important numbers

• Annual card fee: $0 card fee in the first year (saving $150)+
• Qantas Rewards fee: A $75 Qantas Rewards fee applies annually for customers who choose to earn Qantas Points through the Altitude Rewards program.
• Variable purchase rate: 20.99% p.a.
• Variable cash advance rate: 21.99% p.a.
• Interest free days on purchases: Up to 45
• Minimum credit limit: $6,000
• Altitude Rewards Points: earn 1 Altitude Point per $1 spent on eligible purchases
• Altitude Qantas Points: earn 0.5 Qantas Point per $1 spent on eligible purchases

What fees apply to this card?

How does the complimentary overseas travel insurance work and am I eligible for it?

Complimentary insurance⁴

Our 55 Day Visa card is no longer available for sale.

The important numbers

As an existing 55 Day Card Visa cardholder, you’re able to:

• Pay no card fee in the first year (currently saving you $30) and in the following years if you spend $5,000.^~
• Make purchases at a variable rate of 20.99% p.a. on purchases.
• Withdraw cash at a variable rate of 21.99% p.a.
• Pay no interest on purchases for up to 55 days when you pay off your balance in full each month.

What fees apply to this card?

Our 55 Day Platinum Visa card is no longer available for sale. 

The important numbers

As an existing 55 Day Platinum Visa cardholder, you’re able to:

• Pay no card fee if you spend $10,000 on the card each year (the annual card fee is otherwise $90).^~
• Make purchases at a variable rate of 20.99% p.a.
  
• Withdraw cash at a variable rate of 21.99% p.a.
• Pay no interest for up to 55 days when you pay off your balance in full each month.

What fees apply to this card?

How does the complimentary International Travel Insurance work and am I eligible for it?

Complimentary insurance⁴

The Ignite MasterCard^® is no longer available for new applications.

Essentials

Annual card fee and interest free days

• No annual card fee, ever¹.
• Up to 55 days interest-free on purchases, as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.

Variable interest rates

• On purchases - 16.24% p.a.
• On cash advances - 21.99% p.a.

Minimum credit limit

• $2,000

Features

Card security

• Cardshield™ helps defend against fraudulent activity
• An embedded microchip for increased credit card security
  
• Get extra security when you shop at participating online retailers by registering with Mastercard^® SecureCode™ through the Westpac Added Online Security service
• Enjoy peace of mind with the latest Fraud Protection technology to keep your cards secure, 24/7.

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.
 

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.
 

Fees

Our 55 Day Mastercard credit card is no longer available.

Essentials

Annual card fee and interest free days

• $0 card fee in the first year (currently saving $30)
• $0 card fee in subsequent years when you spend $10,000 or more on purchases in the previous year using your card
• Up to 55 days interest free on purchases when you pay the closing balance in full by the due date shown on your statement.

Variable interest rates

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Minimum credit limit

• $1,000 minimum credit limit.

Features

Card security

• Cardshield™ helps defend against fraudulent activity
• Increased credit card security where your card comes with an embedded microchip
• Extra security when you shop at participating online retailers by registering with Mastercard® SecureCode™ through the Westpac Added Online Security service
• Fraud Protection, 24/7

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Additional cardholder

• Add one additional cardholder (16 years or older) at no extra cost
• The account holder (primary cardholder) is liable for all transactions on these cards and their own card.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

• Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
• Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments.
• To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Fees

Rates

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Our 55 Day Gold Mastercard^® is no longer available.  

Essentials

Annual card fee and interest free days

• $0 card fee in the first year (currently saving $90)
• $0 card fee in subsequent years when you spend $15,000 or more on purchases in the previous year using your card
• Up to 55 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement.

Insurance 

• Complimentary insurance covers. ⁴

Variable interest rates

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Minimum credit limit

• $5,000 minimum credit limit

Features

Complimentary insurance⁴

Interest free days

Up to 55 interest free days on purchases when you pay your closing balance (including any promotional amount) in full by the statement due date each month.

Annual card fee

• $0 card fee in the first year (currently saving $90)
• Annual card fee waived in subsequent years when you spend $15,000 or more on purchases in the previous year using your 55 Day Gold Mastercard.

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Fees

Rates

Our Altitude Mastercard credit card is no longer available for sale.

Essentials

Points earned per $1 spent on eligible purchases

• 1 point - Altitude Mastercard®
• For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.

Variable interest rates

• 20.99% p.a. on purchases
• 21.99% p.a. on cash advances.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Minimum card limit $1,000.

Rewards

Earning reward points:

• Earn 1 Altitude point per $1 spent on purchases on your Altitude Mastercard®
• For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.
• A $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program

Redeeming Altitude Points

You can redeem your Altitude Points (minimum 3,000) for a wide range of rewards, including:

• Technology, including products from Apple, Sony and Bose
• Homewares, including products by Dyson, Kitchenaid and Tefal
• Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.

You can also use your Altitude Points to redeem frequent flyer points from 4 different frequent flyer programs:

• Virgin Australia's Velocity
• Air New Zealand Airpoints
• Singapore Airlines KrisFlyer
• Cathay Pacific AsiaMiles.

You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.

Go to the Altitude Website via Westpac Online Banking or the Westpac App to:

• View and redeem from the extensive range of rewards on offer.
• Check your Altitude rewards account.

Earning and redeeming Altitude Points on all Altitude credit cards

For each statement cycle a points cap of 5,000 points apply. Bonus points do not count towards the points cap.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Fees

Rates

The Altitude Platinum Mastercard credit card that Westpac offered pre-2019 is no longer available for sale.

Essentials

Points earned per $1 spent on eligible purchases

• 1 point - Altitude Platinum Mastercard
• An annual $75 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program.

Insurance⁴

• Complimentary insurance cover. ⁴

Variable interest rates

• 20.99% p.a. on purchases
• 21.99% p.a. on cash advances.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Minimum card limit $6,000

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Rewards

Earning reward points

Earn 1 Altitude Point per $1 spent on purchases on your Altitude Platinum Mastercard^®

Redeeming Altitude Points

You can redeem your Altitude reward points (minimum 3,000) for a wide range of rewards, including:

• Technology, including products from Apple, Sony and Bose
• Homewares, including products by Dyson, Kitchenaid and Tefal
• Gift cards and retail vouchers, including from Westfield, David Jones, Myer, Harvey Norman and Bunnings.

You can also use your Altitude points to redeem frequent flyer points from 4 different frequent flyer programs:

• Virgin Australia’s Velocity
• Air New Zealand Airpoints
• Singapore Airlines KrisFlyer
• Cathay Pacific AsiaMiles.

You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.

You can redeem your Altitude Points via the Altitude website. Simply, sign in to Westpac Online Banking or the Westpac App, select or search Rewards & Offers, click Altitude Reward Points and follow the prompts.

You can also call the Altitude Rewards Centre on 1300 887 820 (Monday–Friday, 8am–8pm AEST, excluding National Public Holidays).

Earning Altitude Points on all Altitude Platinum credit cards

For each statement cycle a points cap of 7,500 points apply. Bonus points do not count towards the points cap.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Features

Complimentary Insurances⁴

Fees

Rates

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Our Altitude Platinum Plus and Altitude Qantas Platinum Plus credit cards are no longer available. 

Essentials

Points earned per $1 spent on eligible purchases

If you have chosen Altitude Rewards:

• 1 point - Altitude Platinum Plus Visa or Mastercard^®

If you have chosen Altitude Qantas:

• 0.5 Qantas Points - Altitude Qantas Platinum Plus Visa Card
• A $75 Qantas Rewards fee applies for customers who choose to earn Qantas Points through the Altitude Qantas rewards program

Insurance⁴

• Complimentary insurance cover. ⁴
  

Variable interest rates

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Annual card fee currently $250
• Minimum card limit $8,000.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Rewards

More about Altitude Points

You do not earn Altitude Points on payments to the Australian Taxation Office.

You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the Terms and Conditions of the relevant frequent flyer program apply. Availability of award flights may be limited.

Visit altituderewards.com.au or sign in to Altitude Rewards through Westpac Online Banking to:

• View the latest altitude rewards magazine, new rewards and special offers
• Redeem Altitude Points for rewards
• Check your Altitude Rewards account.

More about Qantas Points

You do not earn Qantas Points on payments to the Australian Taxation Office.

You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. For more details on the Qantas Frequent Flyer program visit qantas.com/frequentflyer or contact the Qantas Frequent Flyer Service Centre on 13 11 31. The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.

Features

Complimentary Insurances⁴

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Fees

Rates

Our Earth credit card is no longer available for sale.

Essentials

Points earned per $1 spent on eligible purchases

• 0.4 Qantas Points – Earth Mastercard®
  
• 1 bonus Qantas Point for every $1 spent on selected Qantas products and services
• For each statement cycle a Points cap of 2,500 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap.

Qantas membership

Complimentary Qantas Frequent Flyer membership if you're not already a member.

Standard variable interest rates

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Minimum card limit $1,000.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Earning Qantas Points on Earth credit cards

You do not earn Qantas Points on payments to the Australian Taxation Office.

For each statement cycle a points cap of 2,500 Qantas Points applies when using either or both cards. Bonus Points do not count towards the points cap.

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. The Qantas Frequent Flyer joining fee is waived for all new Earth cardholders if they're not already members. For more details on the Qantas Frequent Flyer program see details. Qantas Points are not earned on balance transfers or cash advances.

Features

Additional cardholder

• Add one additional cardholder (16 years or older) at no extra cost
• The account holder (primary cardholder) is liable for all transactions on these cards and their own card
• Purchases made by an additional cardholder earn Qantas Frequent Flyer points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

• Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
• Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
• To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

• Cardshield™
• Register with Mastercard® SecureCode™ through the Westpac Added Online Security service
• Fraud Protection, 24/7

Fraud Money Back Guarantee

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Credit Card Terms and Conditions for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please go to what to do if there is a fraudulent transaction on your card.

Fees

Rates

More details about the Qantas Frequent Flyer program

For more details about the Qantas Frequent Flyer program visit qantas.com/frequentflyer or contact the Qantas Frequent Flyer Service Centre on 13 11 31.

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders. 

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Our Earth Platinum credit card is no longer available for sale.

Essentials

Points earned per $1 spent on purchases

• 0.5 Qantas Points - Earth Platinum Mastercard®
• 1 bonus Qantas Point for every $1 spent on selected Qantas products and services
• For each statement cycle a Points cap of 3,750 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap.

Qantas membership

Complimentary Qantas Frequent Flyer membership if you're not already a member.

Insurance⁴

• Complimentary insurance⁴ covers.

Standard variable interest rates

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Minimum card limit $6,000
• Recommended income to apply $30,000.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Earning Qantas Points on Earth Platinum credit cards

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. The Qantas Frequent Flyer joining fee is waived for all new Earth cardholders if they're not already members. For more information on the Qantas Frequent Flyer program, see Details. Qantas Points are not earned on balance transfers or cash advances.

Features

Complimentary Insurances⁴

Additional cardholder

• Add one additional cardholder (16 years or older) at no extra cost
• The account holder (primary cardholder) is liable for all transactions on these cards and their own card
• Purchases made by an additional cardholder earn Qantas Points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

• Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
• Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
• To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

• Cardshield™
• Register with Mastercard® SecureCode™ through the Westpac Added Online Security service
• Fraud Protection, 24/7

Fraud Money Back Guarantee

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Credit Card Terms and Conditions for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please go to what to do if there is a fraudulent transaction on your card.

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Fees

Rates

More details about the Qantas Frequent Flyer program

For more details about the Qantas Frequent Flyer program visit qantas.com/frequentflyer or contact the Qantas Frequent Flyer Service Centre on 13 11 31.

Our Earth Platinum Plus credit card is no longer available for sale.

Essentials

Points earned per $1 spent on purchases by existing Earth Platinum Plus card holders

• 0.5 Qantas Points - Earth Platinum Plus Mastercard®
• 1 bonus Qantas Point for every $1 spent on selected Qantas products and services
• For each statement cycle a Points cap of 3,750 Qantas Points applies when using either or both cards. Bonus Points do not count towards the Points cap

Insurance⁴

• Complimentary insurance covers⁴.

Variable interest rates

• 20.99% p.a. on purchases
• 21.99% p.a. on cash advances.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Annual card fee currently $250
• Minimum card limit $8,000.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Earning Qantas Points on Earth Platinum Plus credit cards

You do not earn Qantas Points on payments to the Australian Taxation Office.

For each statement cycle a points cap of 3,750 Qantas Frequent Flyer points applies when using either or both cards. Bonus points do not count towards the points cap. Bonus points do not count towards the points cap.

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. The Qantas Frequent Flyer joining fee is waived for all new Earth cardholders if they’re not already members. For more details on the Qantas Frequent Flyer program see Details. Qantas Points are not earned on balance transfers or cash advances.

Rewards

Earning bonus Qantas Points

• Earn 1 bonus Qantas Point for every $1 you spend on selected Qantas products and services
• Earn twice the number of Qantas Points with Qantas Frequent Flyer Program partners. Earn points once on your Earth cards and again with the partner by presenting your Qantas Frequent Flyer membership card.

Redeeming Qantas Points for flights

Redeem Qantas Points for flights or upgrades. Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when you book. Special promotional fares may not apply.

Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

See qantas.com/frequentflyer for details.

Redeeming in the online Qantas Frequent Flyer Store

Choose from over 2,000 products in the online Qantas Frequent Flyer Store including travel and retail store vouchers.

Qantas Frequent Flyer Store products are for delivery in Australia and New Zealand only (and different products are available in each delivery location).

See qantas.com/frequentflyer for details.

Earning Qantas Points on Earth Platinum Plus credit cards

You must be a member of the Qantas Frequent Flyer program to earn and redeem points. For each statement cycle a points cap of 3,750 Qantas Frequent Flyer points applies when using either or both cards. Bonus points do not count towards the points cap. The Terms and Conditions of the Qantas Frequent Flyer program also apply. The Qantas Frequent Flyer joining fee is waived for all new Earth cardholders if they’re not already members. For more details on the Qantas Frequent Flyer program see Details. Qantas Points are not earned on balance transfers or cash advances.

Bonus Qantas Points

Earn bonus Qantas Points on selected Qantas products and services on Qantas passenger flights (with a QF flight number) booked directly with Qantas, Qantas Club and Qantas Frequent Flyer memberships, and purchases from Qantas Travel - excludes Jetstar flights and services. You do not earn bonus points on Qantas Freight, Qantas Business Travel, Jetset Travelworld channels and Qantas Staff Travel.

More about Jetstar Any Seat Awards and the online Qantas Frequent Flyer Store

The Jetstar Any Seat Awards booking service and the Qantas Frequent Flyer Store are operated by Carlson Marketing Group (Aust) Pty Ltd trading as Carlson Leisure Travel Service. Licence No. 2TA 5778, IATA 02-3 59523.

What is a statement cycle?

The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.

Features

Complimentary Insurances⁴

Credit Card Repayment Protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Fees

Rates

Our Earth Black credit card is no longer available for sale.

Essentials

Points earned per $1 spent on eligible purchases

• 0.625 Qantas Point - Earth Black World Mastercard®
• 1 bonus Qantas Point for every $1 spent on selected Qantas products and services

Qantas membership

Complimentary Qantas Frequent Flyer membership if you're not already a member.

Standard variable interest rate

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Minimum card limit $15,000.

Earning Qantas Points on Earth black credit cards

You do not earn Qantas Points on payments to the Australian Taxation Office.

You must be a member of the Qantas Frequent Flyer program to earn and redeem Points. The Terms and Conditions of the Qantas Frequent Flyer program also apply. The Qantas Frequent Flyer joining fee is waived for all new Earth cardholders if they're not already members. For more details on the Qantas Frequent Flyer program see details. Qantas Points are not earned on balance transfers or cash advances.

Features

Earth Black Card Priority Service line

• Wherever you are and whatever the time of day, if you have any queries relating to your card, the dedicated Earth Black Card Priority Service line will be ready to help with lost or stolen cards, making payments and more
• To contact the 24/7 Earth Black Card Priority Service line call 1300 651 999 toll-free anywhere in Australia or +61 2 9155 7711 reverse charge when overseas.

Personal Concierge Service

• Say goodbye to the time consuming and mundane
• The Personal Concierge Service is on call for you 24/7 to handle your requests, including restaurant and taxi bookings through to planning a party
• To contact the Personal Concierge Service call 1300 651 999 (option 4).

Qantas Lounge passes¹

• Receive two complimentary Qantas Lounge invitations a year
• To use your passes, enrol at loungepass.earth.com.au and opt in. Your first Card spend on selected Qantas products and services will activate your Qantas Lounge pass.

Qantas Frequent Flyer Rewards¹

• The Qantas Points you can earn with Earth Black can open the door to a selection of rewards, including towards one-way, return or multi-destination Award Flights or flight upgrades on Qantas Domestic and International flights
• You can also shop in the Online Qantas Frequent Flyer store for products and more
• For details visit Qantas.com/frequentflyer
• Qantas and Jetstar Any Seat Awards are available on any flight with a QF or JQ flight number. The points required will be quoted when you book. Special promotional fares may not apply. Award flights must be booked at least 24 hours before scheduled departure (and other advance booking requirements may apply).

Complimentary insurance⁴

Additional cardholder

• Add one additional cardholder (16 years or older) at no extra cost
• The account holder (primary cardholder) is liable for all transactions on these cards and their own card
• Purchases made by an additional cardholder earn Qantas Points for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases. Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

• Cardshield^TM
• Extra security when you shop at participating online retailers with Verified by Visa, Mastercard^® SecureCode™ through the Westpac Added Online Security service
• Fraud Protection, 24/7

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Credit Card Terms and Conditions for full details of when cardholders may be liable. Further information on resolving debit card transactional issues please see what to do if there is a fraudulent transaction on your card.

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Earning Qantas Points on Earth Black credit cards

Fees

Rates

More details about the Qantas Frequent Flyer program

For more details about the Qantas Frequent Flyer program visit qantas.com/terms or contact the Qantas Frequent Flyer Service Centre on 13 11 31.

The Westpac Low Rate Mastercard that was offered pre-2019 is no longer available.

Low Rate Mastercard holders

If you currently have a Low Rate Mastercard, nothing has changed. Existing benefits, features, fees and the conditions that apply are outlined below.

Essentials

Annual card fee and interest free days

• Currently $59. $0 card fee for the first year on new cards when special promotion applies
• Up to 55 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement.

Variable interest rates

• On purchases - 13.74% p.a.
• On cash advances - 21.99% p.a.

Minimum credit limit

• $1,000.

Features

Additional cardholder

• Add one additional cardholder (16 years or older) at no extra cost
• The account holder (primary cardholder) is liable for all transactions on these cards and their own card.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

• Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
• Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
• To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

• Cardshield™
• Register with Mastercard® SecureCode™ through the Westpac Added Online Security service
• All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Fees

Rates

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders. 

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Our No Annual Fee Mastercard^® is no longer available.

Essentials

• No card fee for the life of your card
• 20.99% p.a. variable interest rate on purchases
• 21.99% p.a. variable interest rate on cash advances
• Protected by CardShield^TM
• Accepted at 30 million locations worldwide
• Optional credit card repayment protection
• Westpac’s Added Online Security when shopping online at participating retailers with a registered Mastercard^® SecureCode^TM
• Paper-free eStatements available.

Fees

*Fees are subject to change

Our Singapore Airlines Westpac credit card is no longer available.

Essentials

KrisFlyer miles earned per $1 spent on purchases by existing Singapore Airlines Westpac Gold card holders

• 0.5 KrisFlyer miles - Singapore Airlines Westpac Gold Visa
• Earn double the usual KrisFlyer miles for every $1 spent on flights and upgrades on singaporeair.com.

Insurance

• Complimentary insurance cover.⁴

Variable interest rates

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when you pay the closing balance (excluding any promotional balance transfer amount) in full by the due date shown on your statement
• Annual fee currently $125
• Minimum card limit $5,000
   

Earning KrisFlyer miles on Singapore Airlines Westpac Gold cards

The details on how and when you earn KrisFlyer miles and when they are transferred to your KrisFlyer membership account are in the Singapore Airlines Westpac Gold Credit Cards Conditions of Use.

You need to be a member of the KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply. KrisFlyer miles are not earned on balance transfers or cash advances.

Rewards

Earn bonus KrisFlyer miles

• Receive 5,000 KrisFlyer miles after your first purchase using either of your cards
• Earn double the usual KrisFlyer miles when you use either of your Singapore Airlines Westpac Gold credit cards to purchase flights or upgrades in Australian dollars from singaporeair.com.

Redeem for flights

Redeem your KrisFlyer miles for flights on Singapore Airlines and more than 20 airline partners.

For more details on the Singapore Airlines KrisFlyer programme visit singaporeair.com/krisflyer

Earning KrisFlyer miles on Singapore Airlines Westpac Gold cards

The details on how and when you earn KrisFlyer miles and when they are transferred to your KrisFlyer membership account are in the Singapore Airlines Westpac Gold Credit Cards Conditions of Use.

You need to be a member of the KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply. See Details. KrisFlyer miles are not earned on balance transfers or cash advances.

Features

Complimentary Insurances⁴

Additional cardholder

• Add one additional cardholder (16 years or older) at no extra cost
• The account holder (primary cardholder) is liable for all transactions on these cards and their own card
• Purchases made by an additional cardholder earn KrisFlyer miles for the account holder only.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

• Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases.
• Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments
• To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

• Cardshield™
• Extra security when you shop at participating online retailers with Verified by Visa, through the Westpac Added Online Security service
• Fraud Protection, 24/7

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Credit card repayment protection

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Credit card repayment protection is optional insurance that could help make your repayments if you unexpectedly lose your job, or can’t work because of illness or injury. It could also pay off your outstanding balance (up to $50,000) if you pass away.

If you are a policyholder, your monthly premium appears in your credit card transactions as “Credit Card Repayment Protection” and may be subject to credit card interest charges.

Policy limits and exclusions apply which mean you won’t be covered in some instances as set out in the Product Disclosure Statement (PDS) or policy wording, for example: voluntary redundancy or resignation, if your employment ceases at the end of a contract, or if you’re aged 66 years or over.

To find out more or make a claim; simply visit westpac.com.au/ccrp or call us on 1300 369 989.

Fees

For more fee information see the Singapore Airlines Westpac Gold Credit Cards Conditions of Use (PDF 358KB).

Rates

Our Singapore Airlines Westpac Platinum credit card is no longer available.

Essentials

KrisFlyer miles earned per $1 spent on purchases

• 1.5 KrisFlyer miles - Singapore Airlines Westpac Platinum Visa (outside Australia)
  
• 0.5 KrisFlyer miles - Singapore Airlines Westpac Platinum Visa (in Australia)
  
• Earn double the usual KrisFlyer miles when you use either of your Singapore Airlines Westpac Platinum credit cards to purchase flights or upgrades in Australian dollars from singaporeair.com.

Complimentary Insurances

Variable interest rate

• On purchases - 20.99% p.a.
• On cash advances - 21.99% p.a.

Interest free days and more

• Up to 45 days interest free on purchases when full closing balance is paid by the statement due date
  
• Annual card fee currently $250
  
• Minimum card limit $6,000
  
• Pay for everyday purchases under $100 with the ease and convenience of contactless technology
  
• Recommended income to apply $30,000.
  

Features

Earning with everyday spend

• Earn 1.5 KrisFlyer miles per $1 spent on purchases outside Australia with your Singapore Airlines Westpac Platinum Visa
  
• Earn 0.5 KrisFlyer miles per $1 spent on purchases in Australia with your Singapore Airlines Westpac Platinum Visa
  
• Points are automatically credited to your KrisFlyer account every month once you’ve provided us with your Singapore Airlines KrisFlyer membership details
  
• If you do not provide a KrisFlyer membership number at the time of application we will automatically create a KrisFlyer membership for you upon approval of your Singapore Airlines Westpac Platinum credit cards.

Earning bonus KrisFlyer miles

• Earn double the usual KrisFlyer miles when you use either of your Singapore Airlines Westpac Platinum credit cards to purchase flights or upgrades in Australian dollars from singaporeair.com.

Redeem for flights

Redeem your KrisFlyer miles for flights on Singapore Airlines and more than 20 airline partners.

Earning KrisFlyer miles on Singapore Airlines Westpac Platinum cards

The details on how and when you earn KrisFlyer miles and when they are transferred to your KrisFlyer membership account are in the Singapore Airlines Westpac Platinum Credit Cards Conditions of Use. You need to be a member of the KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply. KrisFlyer miles are not earned on balance transfers or cash advances.

When do special promotions not apply?

Special promotions (including bonus points, introductory balance transfer rates and purchase rates) don’t apply to customers who obtain a Westpac credit card by switching or upgrading from an existing Westpac card, or accessing Westpac employee benefits, or as part of a package (unless the package conditions state otherwise).

Fees

Rates

More details about the KrisFlyer programme

You need to be a member of the Singapore Airlines KrisFlyer programme to earn and redeem miles. KrisFlyer programme Terms and Conditions also apply.  For more details visit singaporeair.com/krisflyer.

Credit Card Repayment Protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.

Our Student Visa Card is no longer available.

Essentials

Annual card fee and interest free days

• $0 card fee in the first year, $30 in subsequent years
• Up to 55 days interest free on purchases when you pay the closing balance by the statement due date each month
• The purchase rate 13.49% p.a. cash advance rate (20.45%) and annual card fee ($30).
  

Fees

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Important note: Credit Card Repayment Protection is no longer available for new sales. The following product information is for existing policyholders.