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.

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Updated 28 Mar 2025   |   Rates updated regularly

Comparing of 13 Westpac credit cards

Westpac Low Rate Credit Card (Cashback offer)

Not available for application via this website

FeaturedApply by 30 April 2025

Westpac Low Rate Credit Card (Cashback offer)

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.
  • A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.

Pros

  • Get up to $350 cashback when you meet the criteria.
  • The $59 p.a. annual fee keeps costs low, with no fee in the first year if you're already with Westpac.
  • Start with a credit limit as low as $500, helping you manage your spending.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program although there is a cashback offer.
  • No complimentary travel insurance, which is typical for a low-rate card.
Westpac Low Rate Credit Card (Balance transfer offer)

Not available for application via this website

Apply by 30 April 2025

Westpac Low Rate Credit Card (Balance transfer offer)

Highlights

  • Get a 0% interest rate on balance transfers for 26 months with a 2% transfer fee. After that, the rate changes to 21.99% p.a. for cash advances.
  • A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.

Pros

  • 0% for 26 months on balance transfers gives you plenty of time to pay off your balance without interest.
  • The $59 p.a. annual fee keeps costs low, with no fee in the first year if you're already with Westpac.
  • Start with a credit limit as low as $500, helping you manage your spending.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Cons

  • A 2% balance transfer fee applies.
  • No complimentary travel insurance, which is typical for a low-rate card.
Westpac Altitude Platinum Credit Card (Altitude)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Platinum Credit Card (Altitude)

Highlights

  • Earn up to 120,000 bonus Altitude Rewards Points. Get 90,000 Altitude Rewards Points when you spend at least $3,000 on eligible purchases in the first 90 days from new card approval, and an additional 30,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
  • Earn 3 Altitude points per $1 on Qantas, Jetstar and Virgin Australia flights bought in Australia, subject to eligibility criteria.
  • Earn 2 points per $1 spent on Uber, Uber Eats, Spotify Premium, Airbnb, and Overseas spend (including overseas purchases made from Australia).
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn up to 120,000 bonus Altitude Rewards Points when you meet the criteria.
  • Earn 1 point for every $1 spent on other eligible purchases.
  • The discounted annual fee for the first year.
  • Add 1 additional cardholder at no extra cost.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Altitude Rewards Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
Westpac Altitude Platinum Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Platinum Credit Card (Qantas)

Highlights

  • Earn up to 80,000 bonus Qantas Points. Get 60,000 Qantas Points when you spend at least $4,000 on eligible purchases in the first 90 days from new card approval, and an additional 20,000 points after your first eligible purchase in the second year. Terms and Conditions apply.
  • Earn 0.5 points for every $1 spent on eligible domestic and overseas purchases.
  • Points are automatically transferred to your Qantas Frequent Flyer account, ready to use for flights, upgrades, shopping, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn up to 80,000 bonus Qantas Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Add 1 additional cardholder at no extra cost.
  • Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $100,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.5 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, worth it if you regularly earn points.
Westpac Altitude Black Credit Card (Altitude)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Black Credit Card (Altitude)

Highlights

  • Earn up to 150,000 bonus Altitude Points (equivalent to up to $700 in eGift cards). 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.
  • Earn 6 Altitude points per $1 on Qantas, Jetstar, Singapore Airlines, and Emirates flights bought in Australia, subject to eligibility criteria.
  • Redeem your points for gift cards, travel, transferring to partner airline programs, and other rewards.
  • Get 2 free Priority Pass lounge visits each year.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.

Pros

  • Earn up to 150,000 bonus Altitude Points when you meet the criteria.
  • The discounted annual fee for the first year.
  • Earn 2 points per $1 spent at Spotify Premium, David Jones, Myer, THE ICONIC, Airbnb, Uber and Uber Eats
  • Earn 1.25 points per $1 spent on other eligible purchases.
  • No limit on the points you can earn, which is great for high spenders.
  • Add 1 additional cardholder at no extra cost.
  • Offers fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • The high annual fee of $295 p.a. after the initial year.
  • There is no introductory balance transfer offer, so it’s better suited for everyday spending than consolidating debt.
  • A 3% fee applies to foreign transactions made with your card.
Westpac Altitude Black Credit Card (Qantas)

Not available for application via this website

Apply by 30 April 2025

Westpac Altitude Black Credit Card (Qantas)

Highlights

  • Receive up to 120,000 bonus Qantas Points. Get 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 points for every $1 spent on eligible domestic and overseas purchases.
  • Earn 2x points on purchases at merchant partners like Woolworths, BP, and over 900 brands at Qantas Marketplace, helping you rack up points faster.
  • Redeem your earned points for flights, upgrades, shopping, and more.
  • Get 2 Qantas lounge passes each year, perfect for adding comfort to your travels.

Pros

  • Get up to 120,000 Bonus Qantas Points when you meet the criteria.
  • Westpac account holders can sign in to apply and get a reduced $150 card fee for the first year. After that, it’s $295 p.a., so it’s worth considering if the card’s perks match your spending habits.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary insurance, including Interstate Flight Inconvenience, Rental Vehicle Excess, international travel coverage, extended warranty, purchase protection, and overseas transit accident insurance.
  • Add 1 additional cardholder at no extra cost.
  • Includes fraud monitoring, secure online shopping, and a Fraud Money Back Guarantee.
  • Works with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • Earnings are capped at $250,000 annually, but bonus Qantas Points are excluded from this limit.
  • The earning rate of 0.75 points is lower than that of others.
  • A $75 annual fee applies for the Qantas Rewards Program, which is worth it if you regularly earn points.
Westpac Lite Mastercard

Not available for application via this website

Westpac Lite Mastercard

Highlights

  • No foreign transaction fees, making it a great choice for overseas spending
  • A low 9.90% p.a. variable purchase rate helps you save on interest.
  • A low $9 monthly card fee makes it an affordable option for everyday use.

Pros

  • Low-interest rate.
  • Get an additional cardholder at no extra cost.
  • The credit limit ranges from $1,000 to $20,000, giving flexibility based on your needs.
  • Access Westpac Extras for additional offers and perks.
  • Includes fraud protection for added security.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No rewards program, which is common for a low-rate card.
  • The monthly fee adds up to $108 a year.
Westpac Low Fee Credit Card

Not available for application via this website

Westpac Low Fee Credit Card

Highlights

  • $0 annual fee for the first year.
  • A $30 annual fee applies after the first year, but it’s waived if you spend $5k each year.
  • Split purchases into 4 payments over 6 weeks for easier repayment.

Pros

  • Provides protection against fraudulent transactions for added security.
  • The credit limit starts at $500, making it a flexible option for different spending needs.
  • Compatible with Apple Pay, Samsung Pay, and Google Pay.

Cons

  • There is a 3% foreign transaction fee for overseas transactions.
  • No rewards program which is not surprising for a low-fee card.
Westpac Flex Card

Not available for application via this website

Westpac Flex Card

Highlights

  • This card offers 0% interest, helping you save on interest costs.
  • $0 fee if you have no outstanding balance; otherwise, a $10 monthly fee applies.
  • Access Westpac Extras and Rewards for additional offers and perks.

Pros

  • A straightforward and budget-friendly card option.
  • Quick application process, with immediate use upon approval.
  • There’s no monthly fee if you have no outstanding balance. If you do, a minimum monthly repayment of $40 applies.
  • You can repay monthly or twice a month and make extra payments anytime.
  • Plus no late payment fees.
  • Includes fraud protection for added security.

Cons

  • Low credit limit of $1,000.
  • No balance transfers or cash advances.
  • You cannot add an additional cardholder.
  • Does not offer a rewards program.
Westpac Altitude Business Platinum Credit Card

Not available for application via this website

Westpac Altitude Business Platinum Credit Card

Highlights

  • Earn 2 Altitude Points with overseas transactions, 1 point with local merchants, and 0.5 points on government payments, offering tailored rewards based on your spending.
  • No cap on how many points can be earned from eligible spending.
  • Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
  • Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.

Pros

  • Add 1 additional cardholder at no extra cost.
  • Offers a credit limit from $20,000 to $150,000, providing flexibility to support your personal or business needs.
  • Use the Concierge Service to book experiences online, including exclusive tickets, last-minute reservations, and more.
  • Comes with complimentary international travel insurance, Interstate Flight Inconvenience Insurance, Overseas Transit Accident Insurance, plus extended warranty and purchase protection for added peace of mind.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • No sign-up bonus offer at the moment.
  • After the initial year, you will be charged a $200 p.a. annual fee.
  • Allows only 1 additional cardholder, which may suit smaller households or businesses.
Westpac Altitude Business Gold Mastercard

Not available for application via this website

Westpac Altitude Business Gold Mastercard

Highlights

  • Earn 1 Altitude Point on eligible overseas and local transactions, then 0.5 points on government payments, offering tailored rewards based on your spending.
  • Redeem Altitude Points for business rewards such as travel, flights, merchandise, or gift vouchers, making it versatile for personal or business use.
  • Transfer points to five frequent flyer programs, including Qantas, Velocity, Air New Zealand Airpoints, KrisFlyer, and AsiaMiles, for added travel flexibility.

Pros

  • $0 annual fee in the first year, saving you $150 upfront.
  • Add 1 additional cardholder at no extra cost.
  • Offers 4.99% p.a. for 12 months on balance transfers, with no BT fee, making it easier to manage debt.
  • Get a credit limit from $1,000 to $80,000, providing flexibility to support your personal or business needs.
  • Comes with complimentary international travel insurance, Interstate Flight Inconvenience Insurance, Overseas Transit Accident Insurance, plus extended warranty and purchase protection for added peace of mind.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • There is a 3% fee if you use your card overseas.
  • Points are capped at 20,000 per statement cycle, which is ideal for moderate spenders.
Westpac BusinessChoice Everyday Mastercard

Not available for application via this website

Westpac BusinessChoice Everyday Mastercard

Highlights

  • Add up to 99 cards to your account, each with individual credit limits starting at $1,000, tailored to your business needs
  • Low $75 annual card fee.
  • The interest rate is 14.25% p.a. on purchases and 19.96% p.a. on cash advances. While the cash advance rate is higher, the purchase rate is quite competitive, making it a solid option for everyday spending.

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.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Tap your Mastercard for payments of $100 or less.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • This card has no rewards program, so it's more suited for low-cost spending.
  • A 3% fee applies to foreign transactions. This is something to consider if you make frequent overseas purchases.
Westpac BusinessChoice Rewards Platinum Mastercard

Not available for application via this website

Westpac BusinessChoice Rewards Platinum Mastercard

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
  • Includes a Personal Concierge Service, handy for booking travel or making reservations.
  • Comes with complimentary travel, purchase, and business insurance for added protection.
  • The one-off joining fee for the Qantas Business Rewards program is waived, saving you $89.50.

Pros

  • Get 50,000 bonus Qantas Points when you meet the criteria.
  • Earn 0.75 Qantas Points for every $1.50 spent on eligible business purchases, and 0.50 Qantas Points for every $1.50 spent on government payments.
  • Add up to 99 cards to your account, each with individual credit limits starting at $1,000, tailored to your business needs.
  • Simplify tax reporting by linking automated bank feeds like MYOB, QuickBooks, and Xero to your system.
  • Tap your Mastercard for payments of $100 or less.
  • Compatible with Apple Pay, Google Pay, and Samsung Pay.

Cons

  • The $150 p.a. annual fee per card.
  • High-interest rate of 20.24% p.a. on purchases.
  • Points on eligible transactions are capped at 100,000 Qantas Points per month, which may be limiting for some.

More about Westpac credit cards

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

  • FAQs

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.

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 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 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.

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