Westpac credit cards
Compare features, interest, fees, rewards earn rates, sing up bonuses, and benefits for Westpac credit cards. Make an informed decision about what to apply for.
Comparing of 13 Westpac credit cards
Balance transfer
N/A
Purchase rate
13.74% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Get up to $350 cashback when you apply online by 30 April 2025. Receive a $50 cashback monthly for spending over $1,000 in the first 7 statement periods.
- A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
- Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
Pros
Cons
Balance transfer
26 months at 0% p.a.
Purchase rate
13.74% p.a. ongoing
Interest-free days
55 days
Annual fee
$59.00 p.a. ongoing
Highlights
- Get a 0% interest rate on balance transfers for 26 months with a 2% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
- A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
- Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$99.00 for 1st year
Highlights
- Earn up to 120,000 bonus Altitude Rewards Points. Get 90,000 Altitude Rewards Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval, and an additional 30,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
- Earn 3 Altitude points per $1 on Qantas, Jetstar and Virgin Australia flights bought in Australia, subject to eligibility criteria.
- Earn 2 points per $1 spent on Uber, Uber Eats, Spotify Premium, Airbnb, and Overseas spend (including overseas purchases made from Australia).
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$119.00 for 1st year
Highlights
- Earn up to 80,000 bonus Qantas Points. Get 60,000 Qantas Points when you spend at least $4,000 on eligible purchases in the first 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
- Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
- Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$200.00 for 1st year
Highlights
- Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). Receive 100,000 Altitude bonus points by spending $6,000 on eligible purchases within 120 days of card approval. Additionally, get 50,000 points after your first eligible purchase in year 2. Exclusions apply.
- Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
- Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
- Get 2 free Priority Pass lounge visits each year.
- Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
- Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
Pros
Cons
Westpac Altitude Black Credit Card (Qantas)
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
45 days
Annual fee
$295.00 p.a. ongoing
Highlights
- Receive up to 120,000 bonus Qantas Points. Get 90,000 points upon spending $6,000 in the initial 90 days from the account approval date. Additionally, receive 30,000 points after making your eligible purchase in the second year.
- Earn 0.75 points for every $1 spent on eligible domestic and overseas purchases.
- Earn 2x points on purchases at merchant partners like Woolworths, BP, and over 900 brands at Qantas Marketplace, helping you rack up points faster.
- Redeem your earned points for flights, upgrades, shopping, and more.
- Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.
Pros
Cons
Westpac Lite Mastercard
Balance transfer
N/A
Purchase rate
9.9% p.a. ongoing
Interest-free days
45 days
Annual fee
$108.00 p.a. ongoing
Highlights
- No foreign transaction fees, making it a great choice for overseas spending
- A low 9.90% p.a. variable purchase rate helps you save on interest.
- A low $9 monthly card fee makes it an affordable option for everyday use.
Pros
Cons
Westpac Low Fee Credit Card
Balance transfer
N/A
Purchase rate
20.99% p.a. ongoing
Interest-free days
55 days
Annual fee
$0.00 for 1st year
Highlights
- $0 annual fee for the first year.
- A $30 annual fee applies after the first year, but it’s waived if you spend $5k each year.
- Split purchases into 4 payments over 6 weeks for easier repayment.
Pros
Cons
Balance transfer
N/A
Purchase rate
0% p.a. ongoing
Interest-free days
N/A
Annual fee
$0.00 p.a. ongoing
Highlights
- This card offers 0% interest, helping you save on interest costs.
- $0 fee if you have no outstanding balance; otherwise, a $10 monthly fee applies.
- Access Westpac Extras and Rewards for additional offers and perks.
Pros
Cons
Westpac Altitude Business Platinum Credit Card
Balance transfer
12 months at 4.99% p.a.
Purchase rate
20.24% p.a. ongoing
Interest-free days
55 days
Annual fee
$0.00 for 1st year
Highlights
- Earn 2 Altitude Points with overseas transactions, 1 point with local merchants, and 0.5 points on government payments, offering tailored rewards based on your spending.
- No cap on how many points can be earned from eligible spending.
- Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
- Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.
Pros
Cons
Westpac Altitude Business Gold Mastercard
Balance transfer
12 months at 4.99% p.a.
Purchase rate
20.24% p.a. ongoing
Interest-free days
55 days
Annual fee
$0.00 for 1st year
Highlights
- Earn 1 Altitude Point on eligible overseas and local transactions, then 0.5 points on government payments, offering tailored rewards based on your spending.
- Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
- Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.
Pros
Cons
Westpac BusinessChoice Everyday Mastercard
Balance transfer
N/A
Purchase rate
14.25% p.a. ongoing
Interest-free days
55 days
Annual fee
$75.00 p.a. ongoing
Highlights
- Add up to 99 cards to your account, each with individual credit limits starting at $1,000, tailored to your business needs
- Low $75 annual card fee.
- The interest rate is 14.25% p.a. on purchases and 19.96% p.a. on cash advances. While the cash advance rate is higher, the purchase rate is quite competitive, making it a solid option for everyday spending.
Pros
Cons
Westpac BusinessChoice Rewards Platinum Mastercard
Balance transfer
N/A
Purchase rate
20.24% p.a. ongoing
Interest-free days
55 days
Annual fee
$150.00 p.a. ongoing
Highlights
- Receive 50,000 bonus Qantas Points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply
- Includes a Personal Concierge Service, handy for booking travel or making reservations.
- Comes with complimentary travel, purchase, and business insurance for added protection.
- The one-off joining fee for the Qantas Business Rewards program is waived, saving you $89.50.
Pros
Cons
More about Westpac credit cards
Answers to common questions about applying for and using a credit card from Westpac.
FAQs
