Westpac credit cards

From low interest rates to rewards points, there is a large range of Westpac credit cards to compare.

By Yvonne Taylor | Verified by David Boyd | Updated 21st September 2021

Comparing Westpac credit cards

Compare

On Westpac's website

Apply by 30 November 2021

Westpac Low Rate Credit Card

Balance transfer

28 months at 0% p.a.

Purchase rate

13.74% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

Enjoy 0% p.a. for 28 months on balance transfers with a 1% balance transfer fee. Reverts to variable cash advance rate of 21.49% p.a.
Low 13.74% p.a. interest rate on purchases.
$0 first year annual card fee ($59 p.a. thereafter).

Pros

0% p.a. for up to 28 months on balance transfers.
Low 13.74% p.a. interest rate on purchases.
$0 first year annual card fee ($59 p.a. thereafter).

Cons

Balance transfer reverts to cash advance rate of 21.49% p.a. after 28 months.

Westpac Altitude Platinum Credit Card (Altitude)

Compare

On Westpac's website

Apply by 30 November 2021

Westpac Altitude Platinum Credit Card (Altitude)

Balance transfer

22 months at 0% p.a.

Purchase rate

20.49% p.a. ongoing

Annual fee

$49.00 for 1st year

Highlights

Receive 130,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
0% p.a. for 22 months on balance transfers (1 % balance transfer fee applies). Reverts to purchase rate of 21.49% p.a.
$49 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).

Pros

130,000 bonus Altitude Points when you spend $3,000 in 90 days.
0% p.a. for 22 months on balance transfers.
Additional savings with the $49 first-year annual fee ($150 p.a. thereafter).
Comes with complimentary travel insurance.

Cons

There is a 1% balance transfer fee.
Only up to 45 days interest-free on purchases.

Westpac Altitude Platinum Credit Card (Qantas)

Compare

On Westpac's website

Apply by 30 November 2021

Westpac Altitude Platinum Credit Card (Qantas)

Balance transfer

18 months at 0% p.a.

Purchase rate

20.49% p.a. ongoing

Annual fee

$149.00 for 1st year

Highlights

Receive 60,000 Qantas bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
Transfer your balance at 0% p.a. for 18 months (1 % balance transfer fee applies). Reverts to purchase rate of 21.49% p.a.
$149 p.a. annual fee for the first year then $200 p.a. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annual fee).

Pros

60,000 bonus Qantas Points when you spend $3,000 in 90 days.
0% p.a. for 18 months on balance transfers.
Additional savings with the $149 first-year annual fee ($200 p.a. thereafter).
Comes with complimentary insurance covers which include overseas medical and purchase security.

Cons

There is a 1% balance transfer fee.
Only up to 45 days interest-free on purchases.

Westpac Altitude Black Credit Card (Altitude)

Compare

On Westpac's website

Apply by 30 November 2021

Westpac Altitude Black Credit Card (Altitude)

Balance transfer

N/A

Purchase rate

20.49% p.a. ongoing

Annual fee

$250.00 p.a. ongoing

Highlights

Receive 150,000 Altitude bonus points when you spend $4,000 on eligible purchases within 90 days of card approval. Exclusions apply
Earn up to 6 Altitude points per $1 spent (terms and conditions apply).
Complimentary Insurances: Overseas Travel, Extended Warranty, Purchase Security and Transit Accidents (terms and conditions apply)

Pros

150,000 bonus Altitude Points when you spend $4,000 in 90 days.
Enjoy complimentary lounge passes.
Comes with complimentary overseas travel and purchase insurances.

Cons

The high annual fee of $250.

More about Westpac credit cards

Answers to common questions about applying for and using a credit card from Westpac.

FAQs

Can I manage my Westpac credit card account via telephone?

Yes. But even better, customers can also access online banking services on mobile devices using Westpac’s mobile app for iPhone, Android and Blackberry phones.

What can Westpac Altitude Rewards points be redeemed for?

Altitude points can be redeemed for a selection of rewards at Altitude Rewards online store. The store offers approximately 1,000 products, 100 travel destinations with 10 airlines and 200 hotels. Retail products available include electronics, homewares and appliances, leisure and fitness, luxury goods, entertainment and experiences, financial services, vouchers and gift cards. The online store also features regularly updated special offers and the premium Platinum Collection.

What is the Westpac Altitude Rewards program?

Altitude Rewards is Westpac’s loyalty program that allows customers to earn points on everyday purchases, with no points capping or expiry while they remain an Altitude member. Points can be redeemed for a variety of flights, products and services selected from the Altitude online store.

What online banking services are available to manage your Westpac credit card?

Westpac Online Banking offers access to a range of everyday banking services such as checking balances, bill payments, transferring money and more. Customers can view account transactions from the last 100 days and view and print copies of all statements from the previous seven years.