7.3 / 10

based on 22830 Westpac 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 22 April, 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  

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

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

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

20.49% p.a.

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

$250

Go to site

0.75 points per dollar on Mastercard, uncapped

20.49% p.a.

0% p.a. for 18 months and then 20.49% p.a. (1.00% balance transfer fee)

$300

0.75 points per dollar on Mastercard, uncapped

20.49% p.a.

0% p.a. for 18 months and then 20.49% p.a. (1.00% balance transfer fee)

$300

0.5 points per dollar on Mastercard, uncapped

20.49% 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

Go to site

1 point per dollar on Mastercard, uncapped

20.49% p.a.

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

$150 $99 in the first year

Go to site

0.5 points per dollar on Mastercard, uncapped

20.49% 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

20.49% p.a.

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

$250

Go to site

0.75 points per dollar on Mastercard, uncapped

20.49% p.a.

0% p.a. for 18 months and then 20.49% p.a. (1.00% balance transfer fee)

$300

0.75 points per dollar on Mastercard, uncapped

20.49% p.a.

0% p.a. for 18 months and then 20.49% p.a. (1.00% balance transfer fee)

$300

0.5 points per dollar on Mastercard, uncapped

20.49% 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

Go to site

1 point per dollar on Mastercard, uncapped

20.49% p.a.

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

$150 $99 in the first year

Go to site

0.5 points per dollar on Mastercard, uncapped

20.49% 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

20.09% p.a.

No current offer

$90 $0 when you spend over $10,000 p.a, $0 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

20.49% p.a.

0% p.a. for 18 months and then 20.49% p.a. (1.00% balance transfer fee)

$300

0.75 points per dollar on Mastercard, uncapped

20.49% p.a.

0% p.a. for 18 months and then 20.49% p.a. (1.00% balance transfer fee)

$300

0.5 points per dollar on Mastercard, uncapped

20.49% 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

Go to site

0.5 points per dollar on Mastercard, uncapped

20.49% 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
6.8/10
Price
Features
Customer service
Convenience
Trust

4695 Reviews

Recent Westpac credit card reviews

Westpac Credit Card review
Overall 5/10
Okay but not the best.

Seems to be too expensive.

Read full review

Seems to be too expensive.

Price
4/10
Features
3/10
Customer service
4/10
Convenience
4/10
Trust
6/10
Less
Heather, New South Wales, reviewed 3 days ago
Westpac Altitude Platinum review
Overall 10/10
Best support with attached travel agents.

I love the hassle free help line in using my attached travel agent and when crediting flights was easy and hassle free.

Read full review

I love the hassle free help line in using my attached travel agent and when crediting flights was easy and hassle free.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Matthew, Queensland, reviewed 3 days ago
Westpac Altitude Platinum review
Overall 8/10
Happy with the devil I know.

I have been with bank for more than 40 years and I value loyalty. I have no reason to change for small differences offered by other cards / banks.

Read full review

I have been with bank for more than 40 years and I value loyalty. I have no reason to change for small differences offered by other cards / banks.

Price
8/10
Customer service
8/10
Convenience
9/10
Trust
8/10
Less
Michael, Victoria, reviewed 23 days ago
Westpac Credit Card review
Overall 5/10
Good customer service and online banking platform.

Very poor rewards program where they keep moving the goalposts in terms of points required to redeem for cash or products. Unethical to say the least and to reward new customers with major reward points at the expense of existing customers is extremely disappointing. So much for loyalty.

Read full review

Very poor rewards program where they keep moving the goalposts in terms of points required to redeem for cash or products. Unethical to say the least and to reward new customers with major reward points at the expense of existing customers is extremely disappointing. So much for loyalty.

Price
4/10
Features
6/10
Customer service
9/10
Convenience
9/10
Trust
5/10
Less
Peter, Victoria, reviewed 23 days ago
Westpac Low Rate review
Overall 9/10
Recommended whilst branch remains open.

1. Local and convenient 2. Service (counter) - excellent 3. Fees - nil 4. Friendly 5. Some waiting but normal for busy shopping centre

Read full review

1. Local and convenient 2. Service (counter) - excellent 3. Fees - nil 4. Friendly 5. Some waiting but normal for busy shopping centre

Price
10/10
Features
8/10
Customer service
8/10
Convenience
9/10
Trust
10/10
Less
Leo, Queensland, reviewed about 1 month 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