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 26 April, 2018. Other information correct at the time of writing.
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 24 months and then 19.49% p.a. (2.00% balance transfer fee) | $59 | 55 | Go to site |
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 24 months and then 19.49% p.a. (2.00% balance transfer fee) | $59 | 55 | Go to site |
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 | 20.24% p.a. | No current offer | $250 | Go to site | |
| 0.75 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $300 | Go to site | |
| 3 points per dollar on Amex, 1.25 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $449 | Go to site | |
| 1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $499 | Go to site | |
| 0.5 points per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $200 | Go to site | |
| 1 point per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $150 | Go to site | |
| 2 points per dollar on Amex, 1 point per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $199 | Go to site | |
| 1 point per dollar on Amex, 0.5 points per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $249 | Go to site |
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 | |
| 1.25 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $250 | Go to site | |
| 0.75 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $300 | Go to site | |
| 3 points per dollar on Amex, 1.25 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $449 | Go to site | |
| 1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $499 | Go to site | |
| 0.5 points per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $200 | Go to site | |
| 1 point per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $150 | Go to site | |
| 2 points per dollar on Amex, 1 point per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $199 | Go to site | |
| 1 point per dollar on Amex, 0.5 points per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $249 | Go to site |
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 | 20.24% p.a. | No current offer | $300 | Go to site | |
| 1.25 points per dollar on Amex, 0.75 points per dollar on Mastercard, uncapped | 20.24% p.a. | No current offer | $499 | Go to site | |
| 0.5 points per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $200 | Go to site | |
| 1 point per dollar on Amex, 0.5 points per dollar on Visa, uncapped | 20.24% p.a. | No current offer | $249 | Go to site |
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.
* Overall rating based on reviews in the past 12 months.
Have always had good service from Westpac.
Have always had good service from Westpac.
Greta (ACT), reviewed 23 days ago
No customer service, I don't think they could not care less about you.
No customer service, I don't think they could not care less about you.
Brendan (NSW), reviewed 30 days ago
I find Westpac to be the perfect bank.
I find Westpac to be the perfect bank.
Edna (QLD), reviewed about 1 month ago
As this is the only bank & credit card I have had, I cannot really compare to other banks. The times I have had to use have been satisfactory.
As this is the only bank & credit card I have had, I cannot really compare to other banks. The times I have had to use have been satisfactory.
Tarina (WA), reviewed about 2 months ago
I went to the bank to open a bank account with just my name and in the end I also had an appointment with the advisor for the next day with my husband and myself. By the time we left the next day she had saved us a lot in our home insurance...
I went to the bank to open a bank account with just my name and in the end I also had an appointment with the advisor for the next day with my husband and myself. By the time we left the next day she had saved us a lot in our home insurance content insurance and we changed our cars over. So all up she was very nice, she knew what she was talking about.
Sue (QLD), reviewed about 2 months ago
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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.
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:
Want to know more? Check out our guide on applying for a credit card.
Hide