based on 22888 Westpac banking product reviews as rated by Mozo community

Westpac credit cards

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. One thing you’ll be happy to know about Westpac though is that they took out 2019 Mozo Experts Choice Awards in the best Travel Credit Card and best Low Rate Travel Credit Card categories.

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.

What credit cards do Westpac offer?

Rates and fees verified as correct at 03 December, 2021. Other information correct at the time of writing. Advertiser disclosure.

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 on purchases  

0% p.a.

No current offer

$120 $10 monthly fee waived when there is no outstanding balance.

9.90% p.a.

No current offer

$108

45

13.74% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

55

Go to site

13.74% p.a.

No current offer

$59 $0 in the first year

55

Go to site

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 on purchases  

0% p.a. for 15 months then 20.09% p.a.

0% p.a. for 6 months and then 21.49% p.a.

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

55

13.74% p.a.

0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

55

Go to site

13.74% p.a.

No current offer

$59 $0 in the first year

55

Go to site

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  

1.25 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$250 $99 in the first year

Go to site

0.75 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 19.99% p.a. (1.00% balance transfer fee)

$300

0.75 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 19.99% p.a. (1.00% balance transfer fee)

$300

0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$200 $99 in the first year

Go to site

1 point per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$150 $49 in the first year

Go to site

0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)

$200 $149 in the first year

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  

1.25 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$250 $99 in the first year

Go to site

0.75 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 19.99% p.a. (1.00% balance transfer fee)

$300

0.75 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 19.99% p.a. (1.00% balance transfer fee)

$300

0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$200 $99 in the first year

Go to site

1 point per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$150 $49 in the first year

Go to site

0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)

$200 $149 in the first year

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  

0.75 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 19.99% p.a. (1.00% balance transfer fee)

$300

0.75 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 19.99% p.a. (1.00% balance transfer fee)

$300

0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$200 $99 in the first year

Go to site

0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)

$200 $149 in the first year

Frequently Asked Questions about Westpac credit cards

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

That depends on which card you have. If you’re after a discounted shopping spree and opt for a Westpac rewards card, you’ll have 45 interest free days to pay off your purchases. If you’re going for a low rate, low fee or student card, you’ll get 10 extra days on top of that to pay your balance.

Keep in mind that if you don’t pay off your balance in full before your interest free period is up, you’ll not only be charged interest that month, but you’ll lose your interest free days for the next month as well.

What fees might I be charged?

On any Westpac credit card, there are certain fees you may have to pay, depending on how you want to use your credit card. These include:
• an annual fee (unless you qualify to have your annual fee waived)

• foreign transaction fees

• missed payment fee

• overlimit fee

• cash advance fees

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

Yep. You can do a balance transfer using any of your Westpac credit cards, except the student credit card. Each one will give you a 0% interest rate for over a year, but the exact length of time is different for each card. After this period is up, your 0% interest rate will revert to the higher purchse rate - so make sure you’ve got a great payment plan in place to pay the debt back in time.
Keep in mind that this interest free period only applies to the transferred balance and not new purchases.

Can I use paypass with my Westpac credit card?

With a low fee 55 day Westpac credit card, or a low rate option, your credit card will work on the Visa system and you’ll be able to use Paypass or Tap ‘n’ Go.

If you’re going the rewards route with your Westpac credit card, you’ll actually get two cards linked to one account - one Visa and one American Express. This is great because you get the worldwide versatility of Visa (we’ve all seen the ads) plus, the rewards power of AMEX. The even better thing, is that you can use contactless payment for both cards when your purchase is under $100.

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

As touched on above, no matter what credit card you choose from Westpac, at least one of your cards will have access to the Visa worldwide network. 

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

You’ve got so many options to earn rewards with a Westpac rewards card it might be hard to keep track of them! We’ve collected all the info you’ll need to know right here to make it simpler, and you can also check out our guide to the Westpac rewards program. Let's start with the fun stuff - what goodies you could get out of all your spending.

If you have a classic rewards cards your rewards points can be redeemed for:
• A huge range of retail products, including brands like Apple, Sony, Dyson and Tefal.

• Gift cards and vouchers from stores including David Jones, Westfield and Bunnings.

• Frequent flyer points from five different frequent flyer programs including Virgin Velocity and Air New Zealand Airpoints.

If you’re a frequent traveller and opt for a Qantas card, you can reward yourself with:

• Flights with Qantas and its partners

• Flight upgrades on Qantas

• Merchandise or gift cards from the Qantas Store

So what’s it going to take to get your hands on those rewards? Well first off, check out our guide to calculating rewards points to make sure you’re getting the most out of your spending.

Then find out just what your Westpac credit card will give you back by taking a look at our table below:

Altitude points per $1 spentQantas points per $1 spentAltitude points per $1 spent
Qantas points per $1 spent
VisaAmexVisaAmex
Classic120.51
Platinum120.51
MastercardAmexMastercardAmex
Black1.25 in Aus.
3 overseas
3


0.625 in Aus
1.5 overseas
1.5

Before you go shopping up a storm, remember that point caps do apply to all but Black Westpac rewards cards. On a Classic card you can build up 5,000 Altitude points or 2,500 Qantas points per credit card statement cycle. For Platinum cardholders, that limit jumps up to 7,500 Altitude points and 3,750 Qantas points.

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

One of the great extra features that comes with Platinum and Black Westpac credit cards is complimentary insurance for a few things. Each card offers cover for different time periods or up to different limits, so take a look at our table below to find out what your Westpac credit card covers you for:

Altitude PlatinumAltitude Black Credit Card or 55 Day Platinum Credit Card
Overseas travel insuranceUp to 3 monthsUp to 6 months
Transit accident insurance coverUp to $250,000Up to $500,000
Extended warranty insuranceUp to 3 monthsUp to 4 months
Purchase security insuranceUp to 1 yearUp to 2 years

You can also add credit card repayment protection insurance to your Westpac credit card for a little extra peace of mind, although this one isn’t complimentary. This will help cover your credit card repayments if you lose your job or can’t work because you’re sick or injured.

How to avoid credit card fraud

Nobody wants to wind up the victim of credit card fraud, so when you use your Westpac credit card, there are a few security measures to keep your money safe. These include:

• An Online Transaction Security Guarantee, which means that if an online transaction is made on your card that you didn’t know about or consent to, you won’t be held accountable for any costs. But remember, you have to contact Westpac about the transaction before your statement due date.

• If you’re shopping online you can also look out for sites with Verified by Visa or American Express SafeKey, which will give you added security on Westpac credit card purchases.

• 24/7 Falcon Fraud Protection monitors your Westpac credit card account for unusual activity. If anything out of the ordinary is detected, you’ll be asked to verify it.

If all that fails and you do end up with some fraudulent activity on your credit card account, the Westpac Fraud Money Back Guarantee means that you will be reimbursed for any losses, as long as you report the fraud as soon as possible.

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.

Icon of credit-cards
Westpac credit cards
Overall
Price
Features
Customer service
Convenience
Trust

4704 Reviews

Recent Westpac credit card reviews

Westpac Credit Card
Overall 1/10
Avoid Westpac for credit cards

Be warned, don’t apply for a credit card through Westpac as they won’t take into account your savings, investments and other owned assets. They ONLY ask for your income and your expenses, and if you have other credit card limits even if you don’t use the cards and have nothing owing and no other debts they don’t care and will decline your application without asking about savings and investments nor take them into account. They also take over 2 weeks to consider your application. Do yourself a favour and apply for a credit card at other banks like NAB or ING Bank who treat you as a person and take into account your whole financial picture. Westpac don’t care and treat you entirely as just another number, pathetic service delivery and appalling customer service. Avoid Westpac at all costs!

Read full review

Be warned, don’t apply for a credit card through Westpac as they won’t take into account your savings, investments and other owned assets. They ONLY ask for your income and your expenses, and if you have other credit card limits even if you don’t use the cards and have nothing owing and no other debts they don’t care and will decline your application without asking about savings and investments nor take them into account. They also take over 2 weeks to consider your application. Do yourself a favour and apply for a credit card at other banks like NAB or ING Bank who treat you as a person and take into account your whole financial picture. Westpac don’t care and treat you entirely as just another number, pathetic service delivery and appalling customer service. Avoid Westpac at all costs!

Price
3/10
Features
1/10
Customer service
1/10
Convenience
3/10
Trust
1/10
Less
Nifty, Victoria, reviewed about 2 months ago
Westpac Credit Card
Overall 1/10
Love bad service? Then Westpac is the bank for you

If you value slow process feedback, or no feedback at all 2 weeks after submitting your credit card application, and being told it will be “another 3 to 5 days” every time you call to determine progress of your application, then this is the bank for you! If you enjoy being treated like just another number in the millions even when you’ve banked with a bank for 40 years, waiting with uninformed anticipation as to whether your application for a $20k credit card limit is approved after paying off a $550,000 home loan with them in 10 years and they still can’t decide whether you’re reliable enough to handle a $20k limit despite having substantial owned assets and no debt, and a high income then head on down to Westpac and they’ll quickly delight you with their impersonal service delivery. Slow transfers that add an extra 24 hours to crediting funds to your account from another bank can instantly be yours if you join Westpac. A clunky online banking experience forms part of their offering along with inability to transfer to some mobile numbers and email addresses as part of their Osko Fast Payments system even though the PayID works with other banks, which is one of the worst offered by any major bank forms part of your banking service delivery by Westpac. Terse email responses by a rude Customer Service Manager when enquiring about products tailored to provide benefits to over 55’s are provided as part of your banking experience with Westpac. If you enjoy being treated like a nobody and having no response to your valid enquires including application for credit products, and value the experiences outlined above you will be thrilled with the experience Westpac can provide in all of these areas that only a big and faceless bank like Westpac can provide, a bank where they excel in not being accountable for providing any level of good service and what’s more they don’t care as they know there will be another person in the queue tomorrow that they can treat poorly and they will still have their job as they are not accountable to provide good service.

Read full review

If you value slow process feedback, or no feedback at all 2 weeks after submitting your credit card application, and being told it will be “another 3 to 5 days” every time you call to determine progress of your application, then this is the bank for you! If you enjoy being treated like just another number in the millions even when you’ve banked with a bank for 40 years, waiting with uninformed anticipation as to whether your application for a $20k credit card limit is approved after paying off a $550,000 home loan with them in 10 years and they still can’t decide whether you’re reliable enough to handle a $20k limit despite having substantial owned assets and no debt, and a high income then head on down to Westpac and they’ll quickly delight you with their impersonal service delivery. Slow transfers that add an extra 24 hours to crediting funds to your account from another bank can instantly be yours if you join Westpac. A clunky online banking experience forms part of their offering along with inability to transfer to some mobile numbers and email addresses as part of their Osko Fast Payments system even though the PayID works with other banks, which is one of the worst offered by any major bank forms part of your banking service delivery by Westpac. Terse email responses by a rude Customer Service Manager when enquiring about products tailored to provide benefits to over 55’s are provided as part of your banking experience with Westpac. If you enjoy being treated like a nobody and having no response to your valid enquires including application for credit products, and value the experiences outlined above you will be thrilled with the experience Westpac can provide in all of these areas that only a big and faceless bank like Westpac can provide, a bank where they excel in not being accountable for providing any level of good service and what’s more they don’t care as they know there will be another person in the queue tomorrow that they can treat poorly and they will still have their job as they are not accountable to provide good service.

Price
6/10
Features
1/10
Customer service
1/10
Convenience
2/10
Trust
1/10
Less
Nick, Victoria, reviewed about 2 months ago
Westpac Lite Card
Overall 1/10
Worst and irresponsible banking service

Applied for a credit card and got approved conditionally within 24 hours or so.. submitted every applications they asked for to submit and assured me that they would get back to me within next 48 hours...no response in time they had promised and again had to call to follow up and was told to wait till Monday, still not any update... I was assured by one of the complaints team's member that there will be an update by the next day and when i tried calling again today, still not any sign of progress on my credit card.... so frustrating..we rely on bank so much and they let us down time and again, so miserable service ...and they keep on saying ' 2 days is what it takes to finalise a credit card application request approval or rejection' ....Such a shame.

Read full review

Applied for a credit card and got approved conditionally within 24 hours or so.. submitted every applications they asked for to submit and assured me that they would get back to me within next 48 hours...no response in time they had promised and again had to call to follow up and was told to wait till Monday, still not any update... I was assured by one of the complaints team's member that there will be an update by the next day and when i tried calling again today, still not any sign of progress on my credit card.... so frustrating..we rely on bank so much and they let us down time and again, so miserable service ...and they keep on saying ' 2 days is what it takes to finalise a credit card application request approval or rejection' ....Such a shame.

Customer service
1/10
Trust
1/10
Less
Gaurab, New South Wales, reviewed 2 months ago
Westpac Credit Card
Overall 1/10
Pathetic

As a customer for 21 years, their online card service centre is pathetic. Numerous attempts and many hours to get a simple credit card has lead me to go elsewhere.

Read full review

As a customer for 21 years, their online card service centre is pathetic. Numerous attempts and many hours to get a simple credit card has lead me to go elsewhere.

Price
1/10
Features
3/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jon, Victoria, reviewed 2 months ago
Westpac Altitude Platinum
Overall 1/10
Terrible experience

Terrible and rude customer service. Gave them all the documentation they required for a credit card application which I am more than qualified for in terms of income, no debts great credit score. But their demands were unreasonable including providing a notice of assessment for this years tax return which the ATO has not even requested lodgement for yet. Then after multiple calls and providing other documentation, got some standardised email that my application was rejected. Waste of my time and certainly won’t be banking with them.

Read full review

Terrible and rude customer service. Gave them all the documentation they required for a credit card application which I am more than qualified for in terms of income, no debts great credit score. But their demands were unreasonable including providing a notice of assessment for this years tax return which the ATO has not even requested lodgement for yet. Then after multiple calls and providing other documentation, got some standardised email that my application was rejected. Waste of my time and certainly won’t be banking with them.

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
David, Queensland, reviewed 3 months ago

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.

Credit card quick links