Westpac credit cards
Compare and review Westpac's credit card rewards, benefits, rates, and fees. More an informed decision about what to apply for.
By Bill Ryan Natividad | Verified by David Boyd | Updated 19 Oct 2023
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Comparing Westpac credit cards
Balance transfer
6 months at 0% p.a.
Purchase rate
20.95% p.a. ongoing
Annual fee
$70.00 p.a. ongoing
Highlights
- Earn uncapped Airpoints Dollars at the rate of 1 for every $150 spent up to $3,500 and 1 per every $300 in qualified spending thereafter.
- Get 50 Airpoints Dollars in advance when needed.
- Balance transfer rate of 5.95% p.a. for the life of the balance transferred.
Pros
Cons
Balance transfer
6 months at 0% p.a.
Purchase rate
20.95% p.a. ongoing
Annual fee
$125.00 p.a. ongoing
Highlights
- Earn uncapped Airpoints Dollars at the rate of 1 Airpoint Dollar for every $110 spent up to $7,000 and 1 per every $220 n qualified spending thereafter.
- Earn 1 Status Point per $225 spent on eligible purchases.
- Get 200 Airpoints Dollars in advance if you need more for a redemption.
- Balance transfer debt at 5.95% p.a. for the life of the balance transferred.
Pros
Cons
Balance transfer
6 months at 0% p.a.
Purchase rate
16.95% p.a. ongoing
Annual fee
$310.00 p.a. ongoing
Highlights
- Earn uncapped Airpoints Dollars at 1 Airpoint Dollar per $95 spent up to $15,000 and then 1 Airpoint Dollar per $190 in qualified spending.
- Earn Status Points at the rate of 1 for every $225 on eligible purchases.
- Get 200 Airpoints Dollars advance.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.95% p.a. ongoing
Annual fee
$145.00 p.a. ongoing
Highlights
- Earn 1 Airpoints Dollar per $85 of eligible business spending.
- Low balance transfer rate of 5.95% p.a.
- No annual fee if you have a personal Airpoints Platinum Mastercard.
Pros
Cons
Balance transfer
6 months at 0% p.a.
Purchase rate
12.9% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- No annual fee or fees for additional cardholders, local and overseas cash advances, or on foreign currency transactions.
- Low ongoing purchase interest rate at 12.90% p.a.
- Balance transfer debt at 5.95% p.a. for life.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.95% p.a. ongoing
Annual fee
$40.00 p.a. ongoing
Highlights
- Earn 1 hotpoint per $1 up to $3,500 spent, then 0.5 hotpoints per $1.
- Balance transfer at 5.95% p.a. over the life of the balance transferred.
- Up to 55 days interest-free days.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.95% p.a. ongoing
Annual fee
$70.00 p.a. ongoing
Highlights
- Earn 1.75 hotpoints per $1 up to $7,000 spent, then 1 hotpoint per $1 spent thereafter. Eligible purchases only.
- Up to 35 days of overseas travel insurance, plus extended warranty and purchase protection insurance.
- Balance transfer at 5.95% p.a. for life. No balance transfer fee.
Pros
Cons
Balance transfer
N/A
Purchase rate
16.95% p.a. ongoing
Annual fee
$285.00 p.a. ongoing
Highlights
- Earn 2 hotpoints per $1 up to $15,000 spent, dropping to 1 hotpoint per $1 spent thereafter.
- Up to 120 days of overseas travel insurance, plus extended warranty and purchase protection insurance.
- Balance transfer at 5.95% p.a. for life.
Pros
Cons
Balance transfer
N/A
Purchase rate
20.95% p.a. ongoing
Annual fee
$100.00 p.a. ongoing
Highlights
- Earn 1.25 hotpoints per $1 of eligible business spending.
- Low balance transfer rate of 5.95% p.a. for life.
- No annual fee if you have a personal hotpoints Platinum Mastercard.
