Westpac Credit Cards

Updated 8 August 2019

Westpac is one of the big four banks here in Australia, and as such, it is a brand that’s instantly recognisable. This is Australia’s first bank and also its oldest company, with a long history that has allowed it to expand and grow to offer an extensive range of financial products and services to its 13 million customers.

Within its consumer banking division, Westpac offers a diverse selection of credit cards for personal and business use. These range from no frills options perfect for cardholders who want to keep it simple, to premium cards for those who want that little bit more.

Westpac Low Rate Credit Card - Low rate package

Strong 0% balance transfer offer from Westpac. Reverts to cash advance rate. Free additional cardholder. Low annual fee of $59 makes this a nice offer.

Go to offer

Filter your savings

Sort by - Please select

Earning reward points with Westpac Cards Filter your points

Sort by - Please select

Westpac - for over 200 years

As one of Australia's biggest and best-known banks, Westpac is committed to gaining enduring customer relationships, and strives to give customers products and services that go above and beyond.

About Westpac Credit Cards

Looking at the money-saving options first, if you want to try and save on your next credit card, take a look at the Westpac Low Rate card, offering a great low ongoing purchase rate. The Westpac Low Fee card is also a great money-saver, especially with its introductory offers.

If you want rewards, Westpac has got them with their own rewards program Altitude Rewards or you can choose to earn Qantas Points or Velocity Points.

Westpac started out back in 1817 as the Bank of New South Wales. Over the years, the bank took the lows – such as the 1929 stock market crash – with the highs, one of which was the 2000 Sydney Olympics, of which Westpac was principle sponsor. In 1982, the bank became Westpac, and from there, continued to grow. Today, Westpac offers an expansive range of products, both under the Westpac brand, and through its subsidiary brands, St.George, Bank of Melbourne, BankSA and RAMS.

Alongside its banking services, Westpac also works to support communities through its family of philanthropic foundations, which include the Westpac Foundation, the Westpac Bicentennial Foundation, the St.George Foundation, the Bank of Melbourne Neighbourhood Fund and the BankSA Foundation. If you’d like to be part of what Westpac has to offer, check out the bank’s range of cards below to find low rate and low fee options, rewards cards earning points on a variety of programs, and premium cards that offer more to the discerning cardholder.

Recently Asked Questions

Something you need to know? Ask a our credit card expert a question.

Ask a question

Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

34 questions (showing the latest 10 Q&As)

Charlotte

18 June 2019

can i apply credit card if i am 457 visa?

Roland

19 June 2019

Westpac offers credit cards for migrants, applicants have to be at least 18 years old, hold the required work visa, have an Australian residential address, earn a minimum salary of $50,000 p.a., and meet Westpac’s normal lending criteria.

allan

18 June 2019

westpac card visa authorised user recipient card holder

Roland

18 June 2019

Hi Allan, I am not sure what question you have. Let me know more details and I can get back to you.

joan campbell

18 July 2018

I currently have a Black Earth Mastercard.I dont want to pay $250 to renew this so would like to drop down to a Westpac Altitude Platinum on renewal. I see that it is $150 per annum and $50 for Qantas F/F. Is this an annual cost of $50 or only a once off cost. thanks.

Roland

18 July 2018

Hi Joan, if you opt into the Qantas program instead of the standard Altitude program. The card will cost you $50 more a year (i believe but this is unclear on the Westac site), thus $200. When things are unclear I tend to always expect it to be annual. Otherwise they would state that it is a one of fee. Depending on your spend the HSBC Platinum Qantas has better points earning on the first $2,500 spend a month.

Ryan

13 June 2018

I am the holder of a 457 visa and thinking of applying for a Westpac credit card. I inquired over the phone and was told I would need to have at least 2 years left on the visa to be eligible to apply. Is that correct?

Roland

13 June 2018

Hi Ryan, if they stated this is the case, then I would take that advice.

Alan Steen

5 June 2018

Currently have Platinum Visa Card for Me & wife. Would like to consider another 2 just in case of a lost card etc. Would Westpac no Frills card be a suitable spare for us both.

Roland

6 June 2018

Hi Alan, the right card for you will depend on your usage. It sounds like as backups, then it would be best to look at a no annual fee option. The HSBC Platinum could be an option if you will spend at least $6,000 a year on the card to get the annual fee waiver. A straight no annual fee card like the Citi Simplicity could also work.

JIM

14 April 2018

I currently have WESPAC VISA PLATINUM CARD WHAT QANTAS POINTS SHOULD I BE RECEIVING ON PURCHASES? IF I ADD NEW WESPAC American Express CARD WILL I RECEIVE BONUS POINTS OR NOT? WHAT WILL BE THE ANNUAL FEE?THANKS JIM

Roland

16 April 2018

Hi Jim, you need to be opted into the Qantas rewards program or by standard you will receive Westpac Altitude points. If you just have the Westpac Platinum credit card, this does not have any points earning available. On the American Express Altitude Platinum or Black you can earn up to 1.25 Qantas points per dollar. Details of this card for individual application are just coming to light this week. Therefore hit me up again for more information later in the week or speak to Westpac credit card customer service.

Naomi Jacobson

16 February 2018

Hi, We have the Altitude Black Mastercard and American express cards. Will we automatically receive the new American Express card after April 8th.

Roland

19 February 2018

Hi Naomi, the new AMEX card is invitation only. The Altitude Black becomes a stand alone card and its annual fee is reduced. The AMEX version is simply another credit card. I am not sure if you like to earn Qantas points.I myself have the Altitude Black. I was given an invitation to the AMEX. Though I declined to take this up. Instead I applied and was approved for the Qantas Ultimate, which comes with 100k bonus points and higher per dollar earn rate than the new AMEX card offered through Westpac. I suggest you have a look at this one.

Andy

8 November 2017

I received my Westpac Low Rate card, after taking up the advertised 24mth interest free offer. However, my balance transfer states it is only for 12mths, and Westpac said to contact the site, as it's nothing to do with them... Please explain...

Roland

9 November 2017

Hi Andy, did you apply through this website? If you clicked on the link from our site and completed the online application that way rather than going directly to Westpac then you will get the 0% for 24 month offer. The exclusive offer has been out of market now for 2 weeks. If you email me (info@creditcard.com.au) the details stating that you applied through creditcard.com.au link, with the date you applied and application ID I can follow up for you.

John

28 October 2017

I just finished paying off a balance transfer at 0% for 18mths. Can I do it again?

Roland

30 October 2017

Hi John, yes this is possible though a balance transfer is typically only available at the time of application. Therefore you would not be able to do it on your current card but you could apply for a new one.

MarisaArmstrong

4 October 2017

How much is my currant interest rate On my black credit card

Roland

5 October 2017

Hi Marisa, the purchase rate is 20.24% p.a.

sid

24 September 2017

can i transfer existing balance from another provider to my black altitude card which has zero debt ?

Roland

25 September 2017

Hi Sid, a balance transfer is typically only available at the time of application for a new credit card. Therefore you will not have that function available on your current card. If you are keen, I would give Westpac credit card customer service a call and see if they can do something. Discounting that, I would look at the current 0% balance transfer offers in market and select one that best suits your needs. Reach out again if you would like some suggestions providing the amount you wish to transfer and the bank the debt is currently with.

josie

11 May 2017

I have has a Westpac visa for 20 years. Why do I now have to pay a minimum amount each month? I have never had to do that before.

Roland

12 May 2017

Hi Josie, I have only been in the credit card space for 12 years and there has always been a minimum payment requirement at that time. All credit cards have a minimum monthly payment that is required on the account including Westpac. If you are struggling to meet a minimum payment you can call the bank and they can usually suspend these for a few months.

davd

16 February 2017

Currently transferring Home Loans from NAB to AMP and looking for a credit card provider. I understand you do not charge an international fee on Nucerity Orders (please confirm). We (wife and I) Currently have 4 cards (2xVisa 2xAmex) which all accrue to the one account with $50K limit. We do all our spending in the Cards $5K+ per month and accrue Velocity points (card is fully paid out each month). Please advise your recommendation to replace these card: - With Reward program - Without reward minimising fees - Maximising interest free periodThanks

Roland

21 February 2017

Hi Davd, Sorry for the late reply, I missed your question. I have a Westpac Altitude Black card. I know that they do not have any international fees on the AMEX version (Dual cards). That is when you spend in AUD at any overseas merchant you are not charged an international transaction fee. Nearly ever other card has this fee now unless the card has no FX fees whatsoever. You get 1 Velocity Point for every 2 Altitude Points. Therefore if you spend on the AMEX you are getting 1.5 Velocity Points per dollar spent. Though only 0.625 points on transfer per $ on the Visa.The flexibility with the Altitude is your ability to transfer points to not only Velocity but also Asia Miles, Airpoints and Krisflyer. Let me know your thoughts on whether this card suits and I can suggest some other options.

Alistair

25 January 2017

Hi - I'm on a 457visa for 2 years; am i eligible to apply for a credit card at Westpac?

Roland

27 January 2017

Hi Alistair, yes it is possible with Westpac. You have a minimum income of AUD$50,000 p.a. OR a minimum deposit of AUD$250,000 in a Westpac account OR an ongoing source of income after arriving in Australia

Recently featured in

Help us improve

My credit card is not listed

Popular Articles

Popular Articles

Popular Articles

Westpac Low Rate Credit Card - Low rate package

Filter rewards & points earn <img class="pull-right" src="https://cdn.creditcard.com.au/wp-content/uploads/images/slider-popup.png" alt="Calculate your savings icon" height="30">

My transfer amount

My interest rate

My annual fee

Low Rate Package

Low Rate Package

Purchase rate

Balance transfer

Annual fee

Purchase rate

Balance transfer

Annual fee

How this is calculated

Purchase rate

Balance transfer

Annual fee

Purchase rate

Balance transfer

Annual fee

How this is calculated

$0 annual fee first year

$0 annual fee first year

Purchase rate

Balance transfer

Annual fee

Purchase rate

Balance transfer

Annual fee

How this is calculated

No foreign transaction or late payment fees

No foreign transaction or late payment fees

Purchase rate

Balance transfer

Annual fee

Purchase rate

Balance transfer

Annual fee

How this is calculated

Complimentary insurances

Complimentary insurances

Purchase rate

Balance transfer

Annual fee

Purchase rate

Balance transfer

Annual fee

How this is calculated

Earning reward points with Westpac Cards Filter your points

My monthly card spend

Reward Programs

Features I like

Earn rate per $1

Bonus points

Annual fee

Earn rate per $1

Bonus points

Annual fee

How this is calculated

Two card bundle with up to 75,000 bonus Velocity points

Two card bundle with up to 75,000 bonus Velocity points

Earn rate per $1

Bonus points

Annual fee

Earn rate per $1

Bonus points

Annual fee

How this is calculated

Earn rate per $1

Bonus points

Annual fee

Earn rate per $1

Bonus points

Annual fee

How this is calculated

Up to 120,000 bonus Velocity points + up to 75 Velocity Status Credits

Up to 120,000 bonus Velocity points + up to 75 Velocity Status Credits

Filter rewards & points earn