Westpac credit cards

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

By   |   Verified by David Boyd   |   Updated 1st December 2021

Comparing Westpac credit cards

Westpac Low Rate Credit Card

On Westpac's website

Apply by 24 February 2022

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)

On Westpac's website

New offerApply by 24 February 2022

Westpac Altitude Platinum Credit Card (Altitude)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.99% 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 24 months on balance transfers (1 % balance transfer fee applies). Reverts to cash advance 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 24 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)

On Westpac's website

New offerApply by 24 February 2022

Westpac Altitude Platinum Credit Card (Qantas)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive 75,000 bonus Qantas Points when you spend $4,000 on eligible purchases within 90 days of card approval. Terms and conditions apply.
  • Transfer your balance at 0% p.a. for 24 months (1 % balance transfer fee applies). Reverts to cash advance rate of 21.49% p.a.
  • $99 p.a. annual fee for the first year then $200 p.a. annual fee thereafter (inclusive of $50 Qantas Rewards opt-in annual fee).


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

  • 75,000 bonus Qantas Points when you spend $4,000 in 90 days.
  • 0% p.a. for 24 months on balance transfers.
  • Additional savings with the $99 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)

On Westpac's website

New offerApply by 24 February 2022

Westpac Altitude Black Credit Card (Altitude)

Balance transfer

24 months at 0% p.a.

Purchase rate

19.99% p.a. ongoing

Annual fee

$99.00 for 1st year

Highlights

  • Receive 180,000 Altitude bonus points when you spend $6,000 on eligible purchases within 120 days of card approval. Exclusions apply
  • Transfer your balance at 0% p.a. for 24 months (1 % balance transfer fee applies). Reverts to cash advance rate of 21.49% p.a.
  • $99 p.a. annual fee for the first year ($250 p.a. annual fee thereafter).

Pros

  • 180,000 bonus Altitude Points when you spend $6,000 in 120 days.
  • 0% p.a. for 24 months on balance transfers.
  • Additional savings with the $99 first-year annual fee ($250 p.a. thereafter).

Cons

  • The high annual fee of $250 p.a. after the initial year.

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.