Westpac credit card reviews

Westpac
Westpac's overall rating for credit cards

(as rated by the Mozo community)

6.8 / 10

based on 4535 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Westpac

Recent Westpac credit card reviews

Westpac

Westpac Low Rate credit card review

Overall rating   10 / 10

Excellent

Excellent

Full review

Excellent

    Price   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   5 / 10

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Denise, Western Australia, reviewed 21 days ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   5 / 10

I love my bank

The bank I am with is very helpful from time to time and they have also helped me in rough times.

Full review

The bank I am with is very helpful from time to time and they have also helped me in rough times.

    Price   5 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   5 / 10

    Trust   5 / 10

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Tahleisha, New South Wales, reviewed 21 days ago

Westpac

Westpac Low Rate credit card review

Overall rating   8 / 10

Great customer service

Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.

Full review

Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.

    Price   5 / 10

    Features   1 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Chere, Western Australia, reviewed 28 days ago

Westpac

Westpac Low Rate credit card review

Overall rating   1 / 10

Useless. Don't bank with them

Had my account fraudulently accessed and maxed out.

Full review

Had my account fraudulently accessed and maxed out.

    Price   1 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Andrea, Victoria, reviewed about 1 month ago

Westpac

Westpac credit card review

Overall rating   10 / 10

Great Service

Their Staff are friendly, knowledgeable, and can assist me with ANY queries that may arise and let me know if there any questionable transactions on any of my accounts.

Full review

Their Staff are friendly, knowledgeable, and can assist me with ANY queries that may arise and let me know if there any questionable transactions on any of my accounts.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Terry, Queensland, reviewed about 1 month ago

Westpac

Westpac credit card review

Overall rating   9 / 10

Great customer service, competitive rates.

Westpac provide excellent customer service and they will always attempt to find the most suitable product for their customer. Have been a loyal customer for over 30 years and all my banking needs are always looked after.

Full review

Westpac provide excellent customer service and they will always attempt to find the most suitable product for their customer. Have been a loyal customer for over 30 years and all my banking needs are always looked after.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Katherine, Northern Territory, reviewed 2 months ago

Westpac

Westpac credit card review

Overall rating   9 / 10

Great customer service, competitive rates.

Westpac provide excellent customer service and they will always attempt to find the most suitable product for their customer. Have been a loyal customer for over 30 years and all my banking needs are always looked after.

Full review

Westpac provide excellent customer service and they will always attempt to find the most suitable product for their customer. Have been a loyal customer for over 30 years and all my banking needs are always looked after.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Katherine, New South Wales, reviewed 2 months ago

Westpac

Westpac credit card review

Overall rating   7 / 10

Unhappy with credit card annual fee

My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on time. I once challenged the fee, but it didn't get waived. The main reason I am still with the bank is because I haven't got around to dealing with...

Full review

My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on time. I once challenged the fee, but it didn't get waived. The main reason I am still with the bank is because I haven't got around to dealing with changing my direct debits.

    Price   5 / 10

    Features   2 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Diane, Victoria, reviewed 2 months ago

Westpac

Westpac 55 Day Card credit card review

Overall rating   7 / 10

Unhappy with credit card annual fee

My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on time. I once challenged the fee, but it didn't get waived. The main reason I am still with the bank is because I haven't got around to dealing with...

Full review

My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on time. I once challenged the fee, but it didn't get waived. The main reason I am still with the bank is because I haven't got around to dealing with changing my direct debits.

    Price   5 / 10

    Features   2 / 10

    Customer service   6 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Diane, Victoria, reviewed 2 months ago

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

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Greta, Australian Capital Territory, reviewed 7 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

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Brendan, New South Wales, reviewed 7 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

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Edna, Queensland, reviewed 7 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.

    Features   5 / 10

    Customer service   0 / 10

    Convenience   6 / 10

    Trust   0 / 10

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Tarina, Western Australia, reviewed 8 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

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Sue, Queensland, reviewed 8 months ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) credit card review

Overall rating   9 / 10

A good bank to deal with

A good product with a reasonable rewards program.

Full review

A good product with a reasonable rewards program.

    Price   9 / 10

    Features   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Shirley, Victoria, reviewed 8 months ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   8 / 10

Response to our needs is amazing

All my family banking conducted with this institution and I am totally happy with customer service

Full review

All my family banking conducted with this institution and I am totally happy with customer service

    Price   5 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Shane, South Australia, reviewed 8 months ago

Westpac

Westpac Low Rate credit card review

Overall rating   10 / 10

Excellent

Good rates.

Full review

Good rates.

    Price   10 / 10

    Features   9 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Ernest, Western Australia, reviewed 8 months ago

Westpac

Westpac credit card review

Overall rating   9 / 10

Good blank

Good bank to deal with.

Full review

Good bank to deal with.

    Features   9 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   9 / 10

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Russell, Queensland, reviewed 8 months ago

Westpac

Westpac credit card review

Overall rating   9 / 10

Great customer service and online banking

Personally, ever since my first job which required me to get a handy card, I've been with Westpac. I was 14 at the time and am now nearly 19. The employee that aided me with my bank accounts was exceptional and I haven't forgotten her beautiful...

Full review

Personally, ever since my first job which required me to get a handy card, I've been with Westpac. I was 14 at the time and am now nearly 19. The employee that aided me with my bank accounts was exceptional and I haven't forgotten her beautiful customer service. The bank has always been doing well in my eyes, the only downfall is the interest rate, which is really low, but that's expected. Also Commonwealth Bank (and other opposition) seem to bring out new features to their online banking that Westpac do not have, for which I think they will benefit.

    Price   7 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Nahreen, New South Wales, reviewed 8 months ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   9 / 10

Good Bank to deal with

Westpac staff at our bank are great to deal with.

Full review

Westpac staff at our bank are great to deal with.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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John, Victoria, reviewed 8 months ago

Westpac

Westpac credit card review

Overall rating   6 / 10

I've alway had customer service.

This is a great bank, but the fees can cost so I have to be very careful.

Full review

This is a great bank, but the fees can cost so I have to be very careful.

    Price   8 / 10

    Features   3 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   6 / 10

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Baylee, New South Wales, reviewed 9 months ago

Westpac

Westpac credit card review

Overall rating   8 / 10

Great customer service

Friendly and helpful. Great customer service

Full review

Friendly and helpful. Great customer service

    Price   7 / 10

    Features   3 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   7 / 10

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Rikki, Queensland, reviewed 9 months ago

Westpac

Westpac Low Rate credit card review

Overall rating   10 / 10

Would recommended it to others

I changed to Westpac about 6years ago after I was having trouble with my old bank, have stayed with Westpac since.

Full review

I changed to Westpac about 6years ago after I was having trouble with my old bank, have stayed with Westpac since.

    Price   8 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Sinita, Western Australia, reviewed 9 months ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   5 / 10

Just a bank

Don't like them but I doubt the others are any better

Full review

Don't like them but I doubt the others are any better

    Price   5 / 10

    Features   2 / 10

    Customer service   2 / 10

    Convenience   8 / 10

    Trust   2 / 10

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Andrew, Victoria, reviewed 9 months ago

Westpac

Westpac 55 Day Platinum Card credit card review

Overall rating   6 / 10

Good value

Joined when there was a life long no annual fee charge

Full review

Joined when there was a life long no annual fee charge

    Price   5 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   5 / 10

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Eng, South Australia, reviewed 10 months ago

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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Credit card comparisons on Mozo - rates updated daily

  • Woolworths Everyday Platinum Credit Card

    Woolworths Everyday Platinum Credit Card

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)

    balance transfer rate

    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

    Go to site

    More info

    • Redeem your credit card points for Woolworths shopping cards
    • 10% off your 1st Woolworths shop on selected dates once a month
    • $0 annual fee for the first year (saving $49)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $49 $0 in the first year
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3%, minimum $5
    • Rewards description: Woolworths Money Shopping Card sent every 4 months if enough points have been accrued.
    Overall rating

    6.3

    Based on 181 Woolworths credit card reviews

    Need more information?
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    More info

  • ME frank Credit Card

    ME frank Credit Card

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases

    balance transfer rate

    No current offer

    purchase rate

    11.99% p.a.

    annual fee

    $0

    Go to site

    More info

    • Experts Choice Winner - No Annual Fee Credit Card
    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate: No current offer
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
    • Fee for cash withdrawals: 2%, Min $4.00
    • Rewards description:
    Overall rating

    8.0

    Based on 201 ME credit card reviews

    Need more information?
    Go to site

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  • American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance

    balance transfer rate

    0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

    purchase rate

    20.74% p.a.

    annual fee

    $450

    Go to site

    More info

    • Receive 55,000 bonus Qantas Points (T&Cs apply)
    • Earn 1.5 Qantas Points per $1 spent on eligible purchases
    • Complimentary domestic and international travel insurance
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $450
    • Purchase rate: 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.6

    Based on 860 American Express credit card reviews

    Need more information?
    Go to site

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  • ANZ Frequent Flyer Black

    ANZ Frequent Flyer Black

    • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
    • Available with Apple Pay

    balance transfer rate

    No current offer

    purchase rate

    19.99% p.a.

    annual fee

    $425

    Go to site

    More info

    • 120,000 bonus Qantas Points and $150 back to your new ANZ Frequent Flyer Black card when you spend $7,500 on eligible purchases in the first 3 months. Eligibility criteria, T&Cs, fees and charges apply.
    • 1 Qantas Point per $1 spent on eligible purchases up to and including $7,500 per statement period.
    • Available with Apple Pay
    • Balance transfer rate: No current offer
    • Annual fee: $425
    • Purchase rate: 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.49% p.a.
    • Fee for cash withdrawals: 2%
    • Rewards description: Points are automatically credited to the Qantas Frequent Flyer program.
    Overall rating

    6.7

    Based on 6049 ANZ credit card reviews

    Need more information?
    Go to site

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  • Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    Virgin Money Virgin Australia Velocity Flyer Card - Purchase Rate and Balance Transfer Offer

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year

    balance transfer rate

    0% p.a. for 6 months and then 20.99% p.a.

    purchase rate

    0% p.a. for 14 months then 20.74% p.a.

    annual fee

    $129

    Go to site

    More info

    • 0% p.a. on balance transfers for 6 months
    • 0% p.a. on purchases for up to 14 months
    • Receive a $129 Virgin Australia gift voucher each year
    • Balance transfer rate: 0% p.a. for 6 months and then 20.99% p.a.
    • Annual fee: $129
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 44
    • Interest rate on cash withdrawals: 20.99% p.a.
    • Fee for cash withdrawals: 2.7%, Min $2.70
    • Rewards description: Points are credited to the Velocity Frequent Flyer program.
    Overall rating

    5.8

    Based on 202 Virgin Money credit card reviews

    Need more information?
    Go to site

    More info

**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.

Want more? Compare all 217 credit cards in the Mozo comparison engine.

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**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.

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