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.

By   |   Verified by David Boyd   |   Updated 29 Jun 2023

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Comparing Westpac credit cards

Westpac Low Rate Cashback Credit Card

FeaturedApply by 1 November 2023

Westpac Low Rate Cashback Credit Card

Balance transfer

N/A

Purchase rate

13.74% p.a. ongoing

Annual fee

$59.00 p.a. ongoing

Highlights

  • Get up to $250 cashback when you apply online by 1 November 2023. Get a $50 cashback each month you spend over $1,000 for the first 5 statement periods.
  • Low ongoing 13.74% p.a. interest rate on purchases.
  • $59 p.a. annual fee.

Pros

  • Get up to $250 cashback when you meet the criteria.
  • Low 13.74% p.a. interest rate on purchases.
  • 55 days interest-free on purchases.
  • $500 minimum credit limit.

Cons

  • No rewards program although there is a cashback offer.
  • No complimentary travel insurance.
Westpac Altitude Platinum Credit Card (Altitude)

Apply by 1 November 2023

Westpac Altitude Platinum Credit Card (Altitude)

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive 100,000 Altitude bonus points when you spend $3,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • $99 p.a. annual fee for the first year ($150 p.a. annual fee thereafter).
  • Earn 3 Altitude points per $1 on Qantas and Jetstar flights bought in Australia, eligibility criteria apply.

Pros

  • 100,000 bonus Altitude Points when you spend $3,000 in 90 days.
  • Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
  • Comes with complimentary travel insurance.
  • Earn 1 Altitude point per $1 spent on eligible purchases.

Cons

  • Only up to 45 days interest-free on purchases.
  • Does not include lounge access.
Westpac Altitude Platinum Credit Card (Qantas)

Apply by 1 November 2023

Westpac Altitude Platinum Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive 70,000 bonus Qantas Points when you spend $4,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • $99 p.a. annual fee for the first year then $150 p.a. annual fee thereafter (Plus a $50 Qantas Rewards opt-in annual fee).
  • Earn 0.5 Qantas points per $1 spent on eligible purchases


From 1 January 2022, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. Bonus Qantas Points not included in the cap.

Pros

  • 70,000 bonus Qantas Points when you spend $4,000 in 90 days.
  • Additional savings with the $99 first-year annual fee ($150 p.a. thereafter).
  • Comes with complimentary insurance covers which include overseas medical and purchase security.

Cons

  • Only up to 45 days interest-free on purchases.
Westpac Altitude Black Credit Card (Altitude)

Apply by 1 November 2023

Westpac Altitude Black Credit Card (Altitude)

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$150.00 for 1st year

Highlights

  • Receive 140,000 Altitude bonus points when you spend $6,000 on eligible purchases within 120 days of card approval. Exclusions apply
  • $150 p.a. annual fee for the first year ($295 p.a. annual fee thereafter).
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia,, eligibility criteria apply.

Pros

  • 140,000 bonus Altitude Points when you spend $6,000 in 120 days.
  • Additional savings with the $150 first-year annual fee ($295 p.a. thereafter).
  • Earn 1.25 points per $1 spent on eligible purchases
  • Get 2 complimentary lounge passes each year with Priority Pass.

Cons

  • The high annual fee of $250 p.a. after the initial year.
Westpac Altitude Black Credit Card (Qantas)

Apply by 1 November 2023

Westpac Altitude Black Credit Card (Qantas)

Balance transfer

N/A

Purchase rate

19.99% p.a. ongoing

Annual fee

$250.00 p.a. ongoing

Highlights

  • Earn up to 120,000 bonus Qantas Points. Get 90,000 points when you spend $6,000 in the first 90 days from account approval date and an additional 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 each year.

Pros

  • Earn up to 120,000 bonus Qantas Points when you meet the criteria.
  • Get a free additional card holder.
  • Comes with complimentary travel insurance.

Cons

  • The $250 p.a. annual fee (plus a $50 Qantas opt-in fee).
Westpac Altitude Business Gold Mastercard

Westpac Altitude Business Gold Mastercard

Balance transfer

12 months at 4.99% p.a.

Purchase rate

20.24% p.a. ongoing

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

  • $0 first-year annual fee.
  • 4.99% p.a. for 12 months on balance transfers.
  • Earn 1 Altitude Point per $1 spent on eligible transactions.
  • Add an additional cardholder at no extra cost.

Cons

  • The high interest of 20.24% p.a. on purchases
  • There is a 3% fee if you use your card overseas.
  • A cap of 20,000 points applies per each statement cycle.
Westpac Altitude Business Platinum Credit Card

Westpac Altitude Business Platinum Credit Card

Balance transfer

12 months at 4.99% p.a.

Purchase rate

20.24% p.a. ongoing

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

  • Uncapped points.
  • Includes Personal Concierge Service.
  • Interstate Flight Inconvenience Insurance.
  • Extended Warranty Insurance

Cons

  • After the initial year, you will be charged a $200 p.a. annual fee.
  • No sign-up bonus offer.
Westpac Lite Mastercard

Westpac Lite Mastercard

Balance transfer

N/A

Purchase rate

9.9% p.a. ongoing

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

  • Low-interest rate.
  • Up to 45 interest-free days on purchases.
  • Get an additional cardholder at no extra cost.

Cons

  • No rewards program.
  • No introductory balance transfer offer.
Westpac Low Fee Credit Card

Westpac Low Fee Credit Card

Balance transfer

N/A

Purchase rate

15 months at 0% p.a.

Annual fee

$0.00 for 1st year

Highlights

  • $0 annual fee for the first year.
  • 0% p.a. on purchases for 15 months.
  • Get up to 55 days interest-free on purchases.

Pros

  • Enjoy 0% p.a. interest on purchases for 15 months.
  • The $30 p.a. annual fee in succeeding years may be waived if you spend $5,000 or more a year.
  • Get up to 55 days interest-free on purchases.

Cons

  • After the introductory period, purchases will revert to the standard rate of 19.74% p.a.
  • No rewards program.
Westpac BusinessChoice Everyday Mastercard

Westpac BusinessChoice Everyday Mastercard

Balance transfer

N/A

Purchase rate

14.25% p.a. ongoing

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

  • The annual fee for succeeding years will be waived if you spend $15,000 in 12 months.
  • Comes with Fraud Protection, Transit Accident Insurance, and Interstate Flight Inconvenience Insurance.
  • Compatible with Google Pay and Samsung Pay.

Cons

  • No sign-up bonus offer.
  • There is a 3% foreign transaction fee.

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.