Westpac Lite Card
A simple credit card with fewer fees and our lowest purchase rate.
Low Rate Card
Trim your costs. Get back to enjoying life.
Apply online in 10 minutes. Get a response in 60 seconds.
Rewards credit cards
Rewards to suit your lifestyle.
Choose between Altitude or Qantas rewards points, with an excellent earn rate.
- Get up to $20 off every 3rd Uber ride on your new Altitude credit card (up to a maximum of $250 in free rides).
- Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. Exclusions apply.
- Earn 80,000 bonus Qantas or Altitude Points when you spend $5,000 on eligible purchases with a new Altitude Black credit card within 90 days of card approval. Exclusions apply.
Low Annual Fee credit cards
Everyday credit with no annual card fee in the first year.
$0 annual card fee for all customers in the first year and in subsequent years if minimum spend criteria are met.*
0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable variable cash advance rate.#
Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.
Things you should know
Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Rewards Points: The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Rewards Terms and Conditions. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.
#Balance transfer promotion: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 12th June 2018 and 23rd October 2018, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 2% (a 1% on new Low Rate Cards) of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. We 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 do not apply to credit cards with balance transfers.
^Bonus points promotion: The respective bonus points promotion is available when you apply and are approved for a new Altitude Platinum or Altitude Black card between 9th August 2018 and 27th November 2018 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.
Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, BPAY equivalent transaction, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.
4Uber promotion: To be eligible for this offer, customers must apply for a new Westpac Altitude credit card between 12th June 2018 and 23rd October 2018, and register their Westpac Altitude credit card as their payment option on their Uber account. Westpac will cover up to $20 for every 3rd Uber ride paid for using the new Westpac Altitude credit card until 31st August 2018 ("Offer Period"). Discounted rides must be used before 31st August 2018 (one use per ride). This promotion is not available to existing Westpac Altitude credit card holders. Rides cannot be saved. A maximum of $250 in free rides per customer applies during the Offer Period. The offer is valid for Uber rides in Australia only. Only rides paid for using your Personal profile are eligible. The offer excludes Business and Family profiles, uberTAXI rides and rides using the split fare option. You will be notified in the Uber app when the promotion has been activated on your Uber account. If the ride cost exceeds $20, the remaining balance will be charged to your Westpac card. The promotion will end at the end of the Offer Period or when the maximum of $250 in discounted rides has been taken by the eligible customer. This offer includes Uber accounts that are linked to a Westpac Altitude credit card with a joint account. Valid in Australia only. Eligible rides are rides paid for using Personal profile only. Excludes Business & Family profiles, uberTAXI rides and rides using split fare option.) Terms and conditions apply.
*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 12th June 2018 and 23rd October 2018 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.
1 SmartPlan Disclaimer: SmartPlan requires monthly payments to be made for the term calculated and at the applicable interest rate when the SmartPlan is entered into. All payments made to your account will be applied first to any SmartPlan instalments, so debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Your balance transfer must have a maximum of 36 months and a remaining term of at least 3 months to be eligible for a SmartPlan. See SmartPlan for more details. SmartPlan cancellation takes up to 2 Business Days. Any SmartPlan Remaining Balance will revert to the variable interest rate for your balance type or special offer rate as applicable.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
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