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Ignite Mastercard® (no longer for sale)

Latest Information

The Ignite MasterCard® is no longer available for new applications. See our full range of available credit cards.

Ignite MasterCard® holders

If you currently have an Ignite MasterCard®, nothing has changed. Existing benefits, features, fees and the conditions that apply are outlined below.


Annual 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 - 21.49% p.a.

Minimum credit limit

  • $2,000


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

Sign up for optional Credit Card Repayment Protection2 insurance that can help cover your Ignite credit card repayment obligations. It covers you in case you lose your job or become unfit for work due to sickness, injury or disease.

Additional cardholder

Share the benefits of the Ignite credit card with someone else at no additional cost. As long as they're 16 or over, you can apply to add an additional cardholder to your account and share the same credit limit with them.

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 (these may change) Amount
Annual fee No annual card fee, ever
Foreign Transaction Fee

A 3% foreign transaction fee is payable as a percentage of the Australian dollar value of any foreign transaction.

Note: It may not always be clear to you that the merchant or entity processing the transaction is located outside Australia.

Cash advances/Withdrawal fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account.

Where your account has a negative (debit) balance after the transaction has been posted to it, a minimum charge of $2.50 and a maximum charge of $50 will apply.
Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply.
These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee Nil
eStatement fee Nil
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs) . 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.


Credit savvy: Westpac's lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not an effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.

Ignite Card Conditions of Use (PDF 175KB)

New simplified Credit Card Terms and Conditions will take effect from 2nd November 2020. See notice of changes (PDF 23KB) for more details.


The products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence no233714 unless otherwise stated. General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product.

Please note: The Ignite credit card is only available to existing cardholders. No new Ignite credit card applications are currently accepted. Existing primary Ignite cardholders can apply for an additional cardholder to be added to their current Ignite card account.

For more information, call us on 1800 080 000, or drop into a branch.

There is no annual card fee, but other fees and charges apply. Interest rates and fees and charges, other than the annual card fee, are subject to change.

Credit Card Repayment Protection is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This insurance product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is optional and is subject to conditions, limits and exclusions on cover, which are explained in the policy wording. The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this information. The Bank does not guarantee payments under the policy. The information presented here is factual only. It does not constitute financial product advice. Before acting on this information, you should seek independent financial and taxation advice to determine its appropriateness to your objectives, financial situation and needs. Please review the Credit Card Repayment Protection Product Disclosure Statement (PDF 209KB) – you should consider the details of this document before making any decision in relation to Credit Card Repayment Protection.

Mastercard® is a registered trademark of Mastercard International Incorporated. PayPass is a trademark of Mastercard International Incorporated. BPAY® is a registered trademark of BPAY Australia Pty Ltd ABN 69 079 187 518. Falcon is a trademark of Fair Isaac Corporation.

© 2017 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Things you should know
Credit criteria, fees and charges apply. Switches, upgrades or Westpac group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.