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 June, 2017. 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 | |
|---|---|---|---|---|---|
| 0% p.a. for 6 months then 13.49% p.a. | 0% p.a. for 12 months | $59 $0 in the first year for existing Westpac customers | 55 | Go to site | |
| 13.49% p.a. | 0% p.a. for 24 months (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 | |
|---|---|---|---|---|---|
| 0% p.a. for 6 months then 19.84% p.a. | 0% p.a. for 12 months | $30 $0 when you spend over $5,000 p.a, $0 in the first 1 year | 55 | Go to site | |
| 0% p.a. for 6 months then 13.49% p.a. | 0% p.a. for 12 months | $59 $0 in the first year for existing Westpac customers | 55 | Go to site | |
| 13.49% p.a. | 0% p.a. for 24 months (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 point per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month | 0% p.a. for 6 months then 20.24% p.a. | 0% p.a. for 12 months | $100 $0 in the first year for existing Westpac customers | Go to site | |
| 2 points per dollar on Amex, 1 point per dollar on Visa, up to 5000 points per month | 0% p.a. for 6 months then 20.24% p.a. | 0% p.a. for 12 months | $100 $0 in the first year for existing Westpac customers | Go to site | |
| 2.5 points per dollar on Amex, 1.25 points per dollar on MasterCard, uncapped | 20.24% p.a. |
| $395 $195 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. |
| $395 $195 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. |
| $150 $0 in the first year for existing Westpac customers | 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. |
| $150 $0 in the first year for existing Westpac customers | 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 | |
|---|---|---|---|---|---|
|
| 0% p.a. for 6 months then 19.84% p.a. | 0% p.a. for 12 months | $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. |
| $395 $195 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. |
| $395 $195 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. |
| $150 $0 in the first year for existing Westpac customers | 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. |
| $150 $0 in the first year for existing Westpac customers | 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 | |
|---|---|---|---|---|---|
| 1 point per dollar on Amex, 0.5 points per dollar on Visa, up to 2500 points per month | 0% p.a. for 6 months then 20.24% p.a. | 0% p.a. for 12 months | $100 $0 in the first year for existing Westpac customers | Go to site | |
| 1.25 points per dollar on Amex, 0.625 points per dollar on MasterCard, uncapped | 20.24% p.a. |
| $395 $195 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. |
| $150 $0 in the first year for existing Westpac customers | 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.
Westpac staff are very reliable, friendly and professional and have great communication skills.
Westpac staff are very reliable, friendly and professional and have great communication skills.
Sue (SA), reviewed 3 months ago
Different products require contacting other places than the bank itself.
Different products require contacting other places than the bank itself.
Judy (VIC), reviewed 3 months ago
Online banking often freezes and when I want to increase my daily limit or add another bill payer, it doesn't accept my SMS code.
Online banking often freezes and when I want to increase my daily limit or add another bill payer, it doesn't accept my SMS code.
Gemma (WA), reviewed 3 months ago
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.
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.
Benoit andre (NSW), reviewed 4 months ago
I think Flybuys should be added to this credit card. Also, statements needs to be updated far quicker. In comparison, New Zealand updates their statements almost immediately.
I think Flybuys should be added to this credit card. Also, statements needs to be updated far quicker. In comparison, New Zealand updates their statements almost immediately.
Matthew (VIC), reviewed 5 months 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.
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.
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