Your selected credit cards
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.
Low variable interest rate
Lengthy 0% balance transfer period of 26 months
Up to 55 interest free days on purchases
$59 annual account fee
Unpaid balance transfers pay 21.99% p.a.
2% balance transfer fee
If you have a credit card debt you’re trying to pay down, completing a balance transfer over to Westpac’s Low Rate Card is a compelling option.
Westpac’s balance transfer period is 26 months, which means your transferred debt will have a 0% interest rate for just over two years, giving you a decent amount of time to pay off what you owe. The longest balance transfer period in our database is 30 months, so Westpac’s offer is not far behind.
Note that any unpaid debt after the balance transfer period ends will attract a high interest rate of 21.99% p.a., so you’ll want to work towards paying it off as much as you can. A balance transfer fee of 2% also applies to the debt you move over.
We like that any new purchases you make with Westpac’s Low Rate Card get a competitive variable rate of 13.74% p.a., and you can also be eligible for up to 55 interest free days by paying your closing balance in full each billing.
An annual fee of $59 applies to the Low Rate Card, but existing Westpac customers can get this waived for their first year – provided you apply before 30 April, 2025.
Your selected credit cards
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.
We have had a credit card for years with Westpac due to no annual fee. But I do feel as a secondary person the card a second rate citize . My husband is primary holder. Due to a printed statement coming here he opened it and I got into trouble for a astrology service (understandable)When I tried after this incident I got online information that I cannot authorise estatement as I am secondary holder. Also online chat non existent. Tried to contact customer service well thats like trying to contact god. I think Westpac going backwards. A few years ago Customer service was top I felt looked after now bottom of the pile. I wonder why still with them.
I love the app. Of all the banks I’ve been with, Westpac’s app is the easiest and most enjoyable to work with. I also was very pleased with the service I received from the staff in the branch when I had a problem. They went above and beyond to help resolve the problem and were very patient with me.
One of the oldest Westpac clients here in Victoria and times when my credit card was used fraudulently the bank backed me up.
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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