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 09 December, 2016. 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  

1.00% p.a. for 12 months then 13.49% p.a.

0% p.a. for 16 months

$59 $0 in the first year for existing Westpac customers

55

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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  

1.00% p.a. for 12 months then 19.84% p.a.

0% p.a. for 16 months

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

55

1.00% p.a. for 12 months then 13.49% p.a.

0% p.a. for 16 months

$59 $0 in the first year for existing Westpac customers

55

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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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$100 $0 in the first year for existing Westpac customers

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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$100 $0 in the first year for existing Westpac customers

3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$150 $0 in the first year for existing Westpac customers

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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$150 $0 in the first year for existing Westpac customers

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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  

1.00% p.a. for 12 months then 19.84% p.a.

0% p.a. for 16 months

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

Go to site

3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

3 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$150 $0 in the first year for existing Westpac customers

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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$150 $0 in the first year for existing Westpac customers

Go to site

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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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$100 $0 in the first year for existing Westpac customers

1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

1.5 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$395 $0 in the first year for existing Westpac customers

Go to site

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

1.00% p.a. for 12 months then 20.24% p.a.

0% p.a. for 16 months

$150 $0 in the first year for existing Westpac customers


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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 credit card review

Overall rating   8 / 10

Friendly customer service and very helpful staff

I am an international customer and they let me open an account with no fees. The staff are friendly and are open to discuss any concerns or enquiries.

Full review

I am an international customer and they let me open an account with no fees. The staff are friendly and are open to discuss any concerns or enquiries.

    Price   8 / 10

    Features   / 10

    Customer service   / 10

    Convenience   / 10

    Trust   / 10

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Benoit andre (NSW), reviewed 1 day ago

Westpac

Westpac credit card review

Overall rating   8 / 10

Very good transactions done well. Added an online apdate to show when any amount enters into one's account.

Full review

Very good transactions done well. Added an online apdate to show when any amount enters into one's account.

    Price   10 / 10

    Features   6 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Naftali (WA), reviewed about 1 month ago

Westpac

Westpac Altitude Black (Rewards) credit card review

Overall rating   8 / 10

Great customer Service

Good card for my life style

Full review

Good card for my life style

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Phillip (VIC), reviewed about 1 month ago

Westpac

Westpac Low Rate credit card review

Overall rating   10 / 10

Fantastic bank

I have been a Westpac customer since the year 2000 and have experienced 16 years of great service. They ring me if there is suspicious activity on my credit card which has saved me from being scammed on one corrosion. I am usually in Debit so they...

Full review

I have been a Westpac customer since the year 2000 and have experienced 16 years of great service. They ring me if there is suspicious activity on my credit card which has saved me from being scammed on one corrosion. I am usually in Debit so they wave the yearly Account Fee which saves me money especially since that I am on a Pension and do not get much money a year. They have all the places I need to use my card and I use it at all the shops I go to. Westpac is such a great bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Adrian (QLD), reviewed about 1 month ago

Westpac

Westpac credit card review

Overall rating   9 / 10

Great customer service

The best thing about banking with Westpac is the online access and ability to view all accounts.

Full review

The best thing about banking with Westpac is the online access and ability to view all accounts.

    Price   6 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   4 / 10

    Trust   4 / 10

Less

Rachel (QLD), 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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