Westpac credit cards

Westpac
Westpac's overall rating for credit cards

(as rated by the Mozo community)

7.2 / 10

based on 1431 reviews

Looking to add some convenience and flexibility to your spending experience? A credit card can be a great way to handle your budget, as long as you choose the right card and then use it wisely. Each type of credit card has pros and cons, and each provider offers different things as well.

Australia’s first and oldest bank, Westpac was established in 1817 as the Bank of NSW, and began trading under the name Westpac in the early 80s. Today, it offers Aussies a huge range of banking products like savings accounts, home loans, insurance and a range of credit card options. So if you’re ready for a flashy piece of plastic, check out all the details about Westpac credit cards below.

Rates and fees verified as correct at 21 January, 2018. Other information correct at the time of writing.

What credit cards do Westpac offer?

Low rate credit cards Low rate credit cards

Looking for an interest rate that won’t bite you? A low rate credit card from Westpac will keep you in the clear if you tend to carry a balance from month to month. This is a no frills card but it’s also great value - not only will you get a low purchase rate, but Westpac also offers a fee free first year to existing customers who apply online. What’s not to love? Well, the cash advance rate is one thing - keep in mind it’s quite a bit higher than the purchase rate.

Product Purchase rate Balance transfer rate Annual fees Interest free days  

9.90% p.a.

No current offer

$108

45

13.49% p.a.

0% p.a. for 20 months and then 21.49% p.a. (2.00% balance transfer fee)

$59

55

13.49% p.a.

0% p.a. for 30 months and then 21.49% p.a. (2.00% balance transfer fee)

$59 $0 in the first 1 year

55

Go to site

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Low fee credit cards Low fee credit cards

So you’ve never missed a credit card payment in your life and break out in a cold sweat at the thought of carrying a debt from month to month? A no fee card is probably for you. Because you’re so good at paying off your balance, a higher interest rate won’t worry you so much, but an annual fee could be a real downer. If you meet certain requirements, you can even use your low fee Westpac credit card entirely fee free!

Product Purchase rate Balance transfer rate Annual fees Interest free days  

19.84% p.a.

0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

$30 $0 when you spend over $5,000 p.a, $0 in the first 1 year

55

Go to site

13.49% p.a.

0% p.a. for 20 months and then 21.49% p.a. (2.00% balance transfer fee)

$59

55

13.49% p.a.

0% p.a. for 30 months and then 21.49% p.a. (2.00% balance transfer fee)

$59 $0 in the first 1 year

55

Go to site

Hide

Rewards credit cards Rewards credit cards

Making the most of your shopping habit is easy with a good rewards card and at Westpac you can choose between a bunch of options. Westpac offers rewards credit cards you can use to get your hands on some great shopping vouchers, gift cards and products or cards designed specifically to help you earn frequent flyer points. You can choose between a Classic, Platinum or Black card, each of which offers a different amount of rewards points per purchase and come with a different annual fee. Platinum and Black cards also come with some cool bonus features, like complimentary insurance and concierge services.

Keep in mind, if you’re opting for a rewards credit card, you’ll pay a higher purchase rate and annual fee for the chance to get your hands on all these goodies.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month

20.24% p.a.

No current offer

$100

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, up to 5000 points per month

20.24% p.a.

No current offer

$100

Go to site

2.5 points per dollar on Amex, 1.25 points per dollar on Mastercard, uncapped

20.24% p.a.

No current offer

$395 $250 in the first 1 year

Go to site

1.25 points per dollar on Amex, 0.625 points per dollar on Mastercard, uncapped

20.24% p.a.

No current offer

$395 $250 in the first 1 year

Go to site

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 3750 points per month

20.24% p.a.

No current offer

$150

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, up to 7500 points per month

20.24% p.a.

No current offer

$150

Go to site

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Prestige cards Prestige cards

Why not have the best of the best? Although it will bump up your annual fee, opting for a platinum or black credit card option from Westpac will mean getting your hands on a heap of premium goodies, including a personal concierge and complimentary insurance covers. Take advantage of the waived annual fee in the first year, and higher rewards earning potential than on regular rewards cards, and you’ll be glad to have this flashy piece of plastic in your arsenal.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

19.84% p.a.

0% p.a. for 20 months and then 21.29% p.a. (2.00% balance transfer fee)

$90 $0 when you spend over $10,000 p.a, $0 in the first 1 year

Go to site

2.5 points per dollar on Amex, 1.25 points per dollar on Mastercard, uncapped

20.24% p.a.

No current offer

$395 $250 in the first 1 year

Go to site

1.25 points per dollar on Amex, 0.625 points per dollar on Mastercard, uncapped

20.24% p.a.

No current offer

$395 $250 in the first 1 year

Go to site

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 3750 points per month

20.24% p.a.

No current offer

$150

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, up to 7500 points per month

20.24% p.a.

No current offer

$150

Go to site

Hide

Frequent flyer credit cards Frequent flyer credit cards

If your main aim is racking up frequent flyer points, then get your hands on a Qantas card from Westpac. One of the rewards program options from Westpac, a Qantas card will automatically convert all your hard earned rewards points to Frequent Flyer points. No hassle, no fuss - just really great savings on your travel. Just remember that as a rewards option, your Westpac frequent flyer credit card will come with a considerable annual fee and interest rate attached.

Product Points per dollar Purchase rate Balance transfer rate Annual fees  

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month

20.24% p.a.

No current offer

$100

Go to site

1.25 points per dollar on Amex, 0.625 points per dollar on Mastercard, uncapped

20.24% p.a.

No current offer

$395 $250 in the first 1 year

Go to site

1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 3750 points per month

20.24% p.a.

No current offer

$150

Go to site

Hide

Frequently Asked Questions about Westpac credit cards

    How many interest free days will I get with a Westpac credit card?

    What fees might I be charged?

    Can I use my Westpac credit card for a balance transfer?

    Can I use paypass with my Westpac credit card?

    Can I use my Westpac credit card while I’m travelling overseas?

    What rewards options do I have with my Westpac rewards credit card?

    What kind of insurance options does my Westpac credit card offer?

    How to avoid credit card fraud

How are Westpac credit cards rated?

Mozo users have rated Westpac credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Westpac credit cards

Overall 7.2*

Price

Features

Customer service

Convenience

Trust

1431 Reviews

* Overall rating based on reviews in the past 12 months.

Recent Westpac credit card reviews Recent Westpac credit card reviews

Westpac

Westpac Low Rate (Exclusive Offer) credit card review

Overall rating   10 / 10

Would recommended it to others

I changed to Westpac about 6years ago after I was having trouble with my old bank, have stayed with Westpac since.

Full review

I changed to Westpac about 6years ago after I was having trouble with my old bank, have stayed with Westpac since.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

Less

Sinita (WA), reviewed 5 days ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   5 / 10

Just a bank

Don't like them but I doubt the others are any better

Full review

Don't like them but I doubt the others are any better

    Price   5 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   8 / 10

    Trust   2 / 10

Less

Andrew (VIC), reviewed 10 days ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   6 / 10

Good value

Joined when there was a life long no annual fee charge

Full review

Joined when there was a life long no annual fee charge

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   5 / 10

Less

Eng (SA), reviewed 13 days ago

Westpac

Westpac credit card review

Overall rating   5 / 10

Okay

I dislike them as they only care about their shareholders. They do have lots of branches

Full review

I dislike them as they only care about their shareholders. They do have lots of branches

    Price   5 / 10

    Features   2 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   3 / 10

Less

Rohan (QLD), reviewed about 1 month ago

Westpac

Westpac 55 Day Card credit card review

Overall rating   10 / 10

Tops

Have had no problems with Westpac over the decades I’ve been with them. Always very helpful.

Full review

Have had no problems with Westpac over the decades I’ve been with them. Always very helpful.

    Price   0 / 10

    Features   0 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ray (VIC), reviewed about 1 month ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What do you need to apply for a Westpac credit card? What do you need to apply for a Westpac credit card?

When you go to apply for a Westpac credit card, there are a few things you’ll want to remember. First of all, to apply, you need to be over 18 and an Australian resident.

You’ll also need to provide:

  • Your personal details, like date of birth, address and phone number
  • Official identification. This can include things like a driver's licence, Medicare card or Australian passport
  • Details of your current employment
  • Proof of your income and expenses. You can provide a number of recent payslips, or a recent bank statement for this.

Want to know more? Check out our guide on applying for a credit card.

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