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Westpac is the second largest of the Big Four banks in Australia, and it has been in operation for over 200 years. It offers a range of credit cards to suit various needs, including budget-conscious low fee cards, low rate options for managing debt and rewards credit cards for those who want to earn rewards points and benefit from complimentary insurances.
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Westpac is the best bank ever sadly they are not around as much as they use too be and we need too have more westpac stores because it is the best bank in history
I like the service the bank gives you and the friendly staff
I like Westpac because it is one of Australia's most established and trusted banks, offering a wide range of financial services that cater to both personal and business needs. Their digital banking platform is user-friendly and packed with features that make managing finances easy, from budgeting tools to seamless payments. I also appreciate their extensive branch and ATM network, which provides convenience for in-person banking when needed. Additionally, Westpac’s commitment to sustainability and ethical practices aligns with my values, making me feel good about banking with them. However, one downside is that their fees can be on the higher side compared to some competitors, and at times, the customer service experience can be inconsistent, particularly during peak periods. Despite these minor drawbacks, I find that the overall benefits and reliability of Westpac outweigh the negatives.
The credit card gives a significant points valued reward and is super easy to manage online. Unfortunately the app crashes constantly.
Cons of westpac credit card good phone app easy to use . Card went straight onto the wallet and could use straight away the process of applying to being able to use was very quick.
I’ve been using the Westpac Qantas Credit Card for over six years now, and I’ve been thoroughly impressed with the overall experience. If you're someone who flies frequently with Qantas or their partner airlines, this card is an excellent option to help you earn Qantas Points while enjoying a range of perks and benefits. The primary reason I chose this card was to earn Qantas Points on everyday purchases. It’s been a great way to rack up points for future flights, upgrades, and rewards. You earn a solid amount of points per dollar spent, especially on Qantas and travel-related purchases. The sign-up bonus is fantastic. You can earn a large number of bonus Qantas Points when you meet the minimum spend within the first three months, which gives your points balance a nice boost right from the start. The card provides travel-related perks such as complimentary travel insurance, which is a nice touch for peace of mind while travelling. You also get access to exclusive offers and discounts on flights, upgrades, and more. The online banking and mobile app experience with Westpac is very smooth. I’ve found it easy to track my spending, manage my rewards, and pay off my balance. The annual fee for the Westpac Qantas Credit Card is on the higher side, which could be a turnoff for people who don’t use the card frequently enough to offset the cost. However, for regular travelers or Qantas flyers, the benefits generally outweigh this cost. Like many credit cards, the interest rates can be relatively high if you carry a balance. To avoid this, it’s essential to pay off the balance in full each month to take full advantage of the rewards without paying extra in interest. I would highly recommend Westpac Qantas Credit Card to anyone who is looking to earn Qantas Points and enjoy the benefits that come with it. It’s especially suited to people who travel often with Qantas or their partners, as the points accumulation and travel perks are definitely a major highlight. While the annual fee and interest rates are things to keep in mind, the rewards and benefits more than make up for it if used correctly.
I've never had issues with banking with Westpac. The app is easy to navigate, and all the information you need is accessible and clear. One con may be the extra charges from vendors if you consider using a credit card over direct debit, but this includes all banks.
I attempted to close my credit card account and paid out the remaining balance that was due. I then received a notification that the credit card still had an amount owing on it and that I could be charged interest on this. I went back to the bank and the card was still active. It took them nearly an hour to work out how to close it properly.
An easy to use credit card with the added advantage of rewards points earned for every dollar spent. When my card was hacked, the bank proatively called me, helped me to get my new card in an expedited manner due to me leaving for holidays. The customer services was first class and would highly recommend them to others.
Great customer service. App is really easy to use. Would recommend.
Once you’ve applied for a credit card online or at a branch, Westpac says you can get a response within two working days.
If you receive full approval, it can take up to seven working days to get your physical card, or you can use Westpac’s Instant Digital Card for online purchases right away.
If Westpac conditionally approves you for a credit card, you’ll need to provide documents such as payslips and bank statements to verify your employment and income.
Westpac’s minimum credit limit varies widely for each credit card. For example, Westpac Low Rate Card comes with a minimum credit limit of $500, while the more premium Westpac Altitude Rewards Black card has a minimum limit of $15,000.
Westpac offers a suite of rewards credit cards which can earn you Qantas Points, Velocity Points or Altitude Rewards points, depending on which card you choose.
Altitude Rewards is Westpac’s own rewards program, and the value of an Altitude Rewards point differs depending on how it’s redeemed.
Altitude Rewards can also be transferred over to other rewards programs. For example, three Altitude points are equal to one Velocity Point.
Westpac does offer complimentary travel insurance with select credit cards. See Westpac’s complimentary insurance page for more detailed information.
You can close your Westpac credit card by either using the Westpac app or logging into Westpac’s internet banking.
You’ll need to cancel any recurring payments or direct debits before closing the card, and you’ll continue to receive a statement every month until your balance is paid in full.
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