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 17 July, 2018. 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  

9.90% p.a.

No current offer

$108

45

Go to site

13.49% p.a.

0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

55

Go to site

13.49% p.a.

0% p.a. for 26 months and then 19.49% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

55

Go to site

Hide

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  

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 year

55

Go to site

13.49% p.a.

0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)

$59 $0 in the first year

55

Go to site

13.49% p.a.

0% p.a. for 26 months and then 19.49% p.a. (2.00% balance transfer fee)

$59 $0 in the first year

55

Go to site

Hide

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  

1.25 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 $50 in the first year

Go to site

1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$150 $0 in the first year

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$199 $0 in the first year

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 $50 in the first year

Go to site

Hide

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  

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 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 $50 in the first year

Go to site

1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$150 $0 in the first year

Go to site

2 points per dollar on Amex, 1 point per dollar on Visa, uncapped

20.24% p.a.

No current offer

$199 $0 in the first year

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 $50 in the first year

Go to site

Hide

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  

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 $50 in the first year

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 $50 in the first year

Go to site

Hide

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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   10 / 10

Very happy with Westpac service

Have always had good service from Westpac.

Full review

Have always had good service from Westpac.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Greta (ACT), reviewed 3 months ago

Westpac

Westpac credit card review

Overall rating   4 / 10

Bad service

No customer service, I don't think they could not care less about you.

Full review

No customer service, I don't think they could not care less about you.

    Price   3 / 10

    Features   1 / 10

    Customer service   2 / 10

    Convenience   4 / 10

    Trust   4 / 10

Less

Brendan (NSW), reviewed 4 months ago

Westpac

Westpac credit card review

Overall rating   10 / 10

Perfect bank

I find Westpac to be the perfect bank.

Full review

I find Westpac to be the perfect bank.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Edna (QLD), reviewed 4 months ago

Westpac

Westpac 55 Day Card credit card review

Overall rating   3 / 10

Loyalty means nothing

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.

Full review

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.

    Price   -1 / 10

    Features   5 / 10

    Customer service   0 / 10

    Convenience   6 / 10

    Trust   0 / 10

Less

Tarina (WA), reviewed 4 months ago

Westpac

Westpac 55 Day Card credit card review

Overall rating   10 / 10

Great customer service

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...

Full review

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.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

Less

Sue (QLD), reviewed 4 months ago

Hide reviews

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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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