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6 steps to help you pay off your credit card debt

Feeling overwhelmed by credit card debt? Fear not. Creating a plan to get back on track with your finances is easier when it’s broken down into 6 simple steps.

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What is a cash advance and how does it work?

A cash advance is when you withdraw cash from your credit card. While convenient, cash advances often come with their own fees and higher interest rates.

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How does credit card interest work?

There can be more to credit card interest than meets the eye. Knowing which rates apply, and when, can help you track how much you’re paying to use your card.

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Rewards credit card hacks for the holidays

The festive season means more shopping and more time for holidays. So how can you work them both to your advantage where your Westpac rewards credit card’s concerned?

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What can be claimed on credit card insurance?

The complimentary travel insurance included with many rewards credit cards could be a great way to cover yourself on your next trip.

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How does credit card travel insurance work?

No matter where you go in the world, travel insurance can help you cover expenses in the event of unplanned complexity.

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Which credit card for travel?

If you’re a bit of a jetsetter, the credit card world is your oyster. In many ways, rewards cards are set up for travellers. That’s because not only can you earn points while travelling, but you can put your points towards even more trips.

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4 things you didn’t know a concierge could do

Complimentary concierge services come with many platinum and premium rewards cards these days. But while there are plenty of things you’d expect from your concierge service, there are also some great things you wouldn’t.

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How your credit card could cover you for purchase value, repayments and even product warranties

Most people know that rewards cards come with travel insurance that covers you for costs such as medical expenses, lost luggage and damage to property. But look closely and you may find your card also comes with some cover that you’ve never heard of.

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Platinum or Premium rewards credit cards?

Many platinum and premium credit cards come with a complimentary concierge service. But how does this work and how useful is it for you?

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How to get the most of your rewards card

Rewards cards often come with a range of attractive benefits and bonuses. Knowing what they are can help you use them to your advantage at home and away. Here are 3 tips to help you do just that.

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Travel rewards credit card benefits

Rewards cards can really pack in the benefits for frequent travellers. By spending on a rewards card, you can earn points to redeem for flights, accommodation and a whole host of other goods and experiences that could be useful for those heading on holiday.

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How to compare rewards credit cards

With so many rewards credit cards on the market, it pays to do your homework before choosing one to suit your needs.

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How to make the most of a balance transfer offer

A balance transfer offer could help you get on top of that daunting credit card debt and get your finances in order. Knowing the ins and outs of balance transfer offers can help you use your new card to your advantage.   

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5 questions to ask before a balance transfer

While a balance transfer can be a simple and smart way to save on interest, there are some things you should be aware of before you apply. Here are five questions to ask before you get started.

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How to do a balance transfer with Westpac

Want to transfer the amount owing on your credit card and start saving on interest but, wondering how to go about it? Follow these 5 steps to consolidate up to 3 cards.

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How do balance transfers work?

Moving your balance to a card with a lower rate can sometimes be a smart way to reduce your interest payments, but there are some things you should know about.

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What is a balance transfer?

It can sometimes be easy for your credit card balance to blow out. And once it does, you might find it difficult to get it under control again. That’s where a balance transfer could help.

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Smart ways to redeem altitude points

Altitude Points can add up pretty quickly on your rewards card, especially if you are using your card to the best of your advantage, so why not make your points work even harder for you?

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Smart ways to earn reward points

A credit card with a rewards program is a great way to get the most out of your everyday purchases. Here at Westpac, we offer two types of rewards - Altitude Rewards or Qantas Rewards.

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10 things you can do to avoid credit card fraud

Imagine if you woke up one morning and your entire bank account was empty or suddenly your credit card was maxed out with a list of charges you did not make.

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4 smart ways to use your credit card

We all know the not-so-clever ways to use a credit card (been there, done that?). However, when used strategically, your credit card can be a convenient financial tool and may even earn you some great rewards.

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4 ways to make extra money to pay off your debt faster

Do you often find yourself wishing for an additional income stream so you could pay off your credit card debt faster?

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Use your rewards card to help you on your dream holiday

When you’re planning a holiday every dollar counts, so why not make your money work harder for you by getting a little extra help from your Westpac Rewards card?

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Understanding credit cards

Credit cards are a way to pay for goods and services and can be a convenient way of borrowing money.

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Credit card debt

Credit cards are a convenient way to "buy now and pay later". When used correctly they offer lots of additional benefits.

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Interest free credit card - fact or fiction?

Credit cards are a way to pay for goods and services and can be a convenient way of borrowing money.

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Are you considering debt consolidation?

Multiple debts and expenses can be difficult to manage. Payments can be easily missed, free cash flow can disappear and you may be paying a lot in interest fees and charges. If you’re looking for a way to take control of your debts, then a debt consolidation solution may be for you.

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5 tips for getting the most out of your home renovation budget

You may want to consider these tips to help you get the most out of your renovation budget and avoid any nasty surprises.

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Ready for a holiday? Consider a travel loan

Are you dreaming of a holiday but don’t quite have the money to make it happen? Well, your holiday daydreams may not be as distant as they seem.

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6 things to consider before taking out a personal loan

Are you dreaming of a new car? Or perhaps you need a little extra money for your fairy-tale wedding or you are planning to start a family? A personal loan could be the exact financial solution you need to meet your desires.

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Accessing extra funds

There are a whole lot of reasons why you might need to borrow money - you might need some extra cash, want to make a purchase, or pay off debts. We'll show you how.

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5 things to consider before buying a new car

Buying a new car is an exciting experience, whether it’s your first car or an upgrade it can be easy to get caught up in the excitement. Here, we share our tips for what to consider when purchasing a new car.

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I need to access extra cash

Want to make a purchase? We have a range of lending options to suit your needs.

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I want to make a purchase

There are a whole lot of reasons why you might need extra funds  and we have  a range of options that may  suit your needs.

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How to choose the right credit card

Finding the right card for you depends on many different factors, so here are a few things to consider before committing to your new plastic.

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How do personal loan repayments work?

Whether you’ve got your heart set on a Hawaiian holiday or the wedding of your dreams, a personal loan could be a way of funding your idea without dipping into your savings.

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What is an unsecured personal loan?

If you need extra money for something big – whether that’s a tropical getaway, a new kitchen or to consolidate and simplify your outstanding debts – you might be thinking about a personal loan . But what’s the difference between an unsecured personal loan and a secured personal loan and what does it mean for you?

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How much can I borrow with a personal loan?

If you’re in the market for a personal loan  and wondering how much you’ll be able to borrow, there are several factors worth considering. These include the type of loan you take out as well as how you’d like to maintain and use it.

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What’s the difference between a fixed and variable rate personal loan?

Trying to choose between a fixed rate personal loan and a variable rate personal loan? If you’d like to work out which one might suit your needs, it helps to know the various pros and cons of each.

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What is a comparison rate?

If you’ve been researching personal loans , you may have noticed something called a ‘comparison rate’. Banks are legally required to show customers a comparison rate to help them compare loans that last for a set period. Knowing exactly what the comparison rate is and how it works could help you get a better deal.

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Your how-to guide to getting a personal loan

If you’ve got big plans and you’re ready to apply for your personal loan, here’s what you need to do to get your cash in hand faster.

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What is a secured car loan?

You may have come across the terms secured loan and unsecured loan. What’s the difference and what does it mean for you?

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How much can I borrow with a car loan?

In the market for a new car? Find out how much you could borrow with a car loan and work out repayments with our Personal Loan Borrowing Power Calculator.

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Secured car loan checklist

What is a secured car loan and what should you think about before you sign up?

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How to get a loan for a car

A Westpac secured car loan uses the car you’re buying as security so you could get a lower interest rate than an unsecured loan.

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What is a line of credit and how does it work?

While traditional personal loans have a fixed term, a line of credit lets you access extra money whenever you want (up to your credit limit).

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What is an overdraft and how does it work?

Ever been caught out by an expense that gets paid out of your transaction account when there’s not enough money? That’s where bank overdrafts come in.

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5 things to consider when choosing between a line of credit or personal loan

What’s the difference and how do you decide which might work better for you? Here are 5 things to think about.

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5 things to consider before applying for an overdraft

If you’re ever worried you’ll be caught out by one payment too many, you may be thinking of an overdraft to help with your cash flow.

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