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 11 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.
- Enjoy a low ongoing 13.74% p.a. interest rate on purchases.
- Annual fee of $59 p.a. applies.
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
- Receive up to 80,000 bonus Qantas Points. Acquire 60,000 Qantas Points in the first year upon spending $4k+ on eligible purchases within the initial 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year..
- Initial $119 p.a. annual fee followed by $175 p.a. thereafter (Plus a $75 Qantas Rewards opt-in annual fee).
- Earn 0.5 Qantas points per $1 spent on eligible purchases.
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. 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.
- Initial $200 p.a. annual fee ($295 p.a. thereafter), applicable to new cardholders only.
- Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
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
- Earn up to 120,000 bonus Qantas Points. Obtain 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 Qantas points per $1 spent.
- Enjoy two (2) complimentary Qantas Club airport lounge passes annually.
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
- $0 annual fee for the first year (reverts to $150 p.a. thereafter)
- 4.99% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred.
- Comes with complimentary overseas travel insurance.
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
- $0 annual card fee for the first year (usually $200 p.a.)
- 4.99% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred.
- Comes with complimentary cover for international travel insurance, plus an extended warranty, and purchase protection.
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
- Low variable purchase rate of 9.90% p.a.
- Enjoy a 0% foreign transaction fee when you use your card overseas.
- $108 p.a. annual fee.
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.
- Enjoy up to 55 days interest-free on purchases.
- Option to split purchases into 4 payments.
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
- Low $75 annual card fee.
- Low 14.25% p.a. variable interest rate on purchases and 19.96% p.a. variable interest rate on cash advances
- Up to 55 interest-free days on purchases.
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
- 0% interest and $0 late payment fee.
- $10 monthly fee, or no outstanding balance, $0 fee.
- Access to Westpac Extras and Rewards.
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
- Earn 0.75 Qantas Point per $1.50 spent on eligible business purchases.
- Assign individual card credit limits from $1,000 on up to 99 cards.
Pros
Cons
More about Westpac credit cards
Answers to common questions about applying for and using a credit card from Westpac.
FAQs
