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Westpac credit card reviews

Westpac
Westpac's overall rating for credit cards

(as rated by the Mozo community)

6.8 / 10

based on 4603 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Westpac

Recent Westpac credit card reviews

Westpac

Westpac Altitude Black (Altitude Rewards) Altitude Black review

Overall rating   7 / 10

Best card features and protection.

Westpac Black card has travel insurance. Very satisfied with outcome after claim.

Full review

Westpac Black card has travel insurance. Very satisfied with outcome after claim.

    Price   7 / 10

    Features   8 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   10 / 10

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Nicoletta, Victoria, reviewed 1 day ago

Westpac

Westpac Credit Card review

Overall rating   8 / 10

Respected and reputable business.

Great customer service. Reliable and well known to the community.

Full review

Great customer service. Reliable and well known to the community.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   8 / 10

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Jane, New South Wales, reviewed 2 days ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) Altitude Platinum review

Overall rating   8 / 10

Credit card is fine as we pay off fully each month

We have no problem with our credit card as we pay it off each month and therefore pay no interest.

Full review

We have no problem with our credit card as we pay it off each month and therefore pay no interest.

    Price   10 / 10

    Features   10 / 10

    Customer service   5 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Fiona, Queensland, reviewed 2 days ago

Westpac

Westpac Credit Card review

Overall rating   8 / 10

Top customer service.

Branch staff are great to deal with and have solved any issues I had on the first phone call. No negatives to report so far.

Full review

Branch staff are great to deal with and have solved any issues I had on the first phone call. No negatives to report so far.

    Price   9 / 10

    Features   4 / 10

    Customer service   9 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Shayne, Queensland, reviewed 2 days ago

Westpac

Westpac Low Fee Low Fee review

Overall rating   6 / 10

Ok.

Ok.

    Price   6 / 10

    Features   6 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Jasmin, New South Wales, reviewed 2 days ago

Westpac

Westpac Credit Card review

Overall rating   8 / 10

Great customer service.

We have been with Westpac for many years and have had this credit card deal for many years. We have never really had any major problems and if we have they have sorted out straight away. We are very happy with Westpac.

Full review

We have been with Westpac for many years and have had this credit card deal for many years. We have never really had any major problems and if we have they have sorted out straight away. We are very happy with Westpac.

    Price   8 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   8 / 10

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Catherine, Queensland, reviewed 3 days ago

Westpac

Westpac Credit Card review

Overall rating   8 / 10

Reliable.

Professional and reliable.

Full review

Professional and reliable.

    Price   6 / 10

    Features   6 / 10

    Customer service   3 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Paul, New South Wales, reviewed 4 days ago

Westpac

Westpac Altitude Platinum (Altitude Rewards) Altitude Platinum review

Overall rating   7 / 10

Annual Fee to have this card is too high.

Have had this card for years. Interest rate is ridiculous. Luckily I pay on time. Would change to another card, but Bank makes it too difficult. Annual rate to maintain this card is too high for what you receive.

Full review

Have had this card for years. Interest rate is ridiculous. Luckily I pay on time. Would change to another card, but Bank makes it too difficult. Annual rate to maintain this card is too high for what you receive.

    Price   4 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   10 / 10

    Trust   8 / 10

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Sandra, New South Wales, reviewed 4 days ago

Westpac

Westpac Low Fee Platinum Low Fee Platinum review

Overall rating   10 / 10

Very happy.

Great customer service and always local.

Full review

Great customer service and always local.

    Price   10 / 10

    Features   10 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Steven, Victoria, reviewed 4 days ago

Westpac

Westpac Low Rate Low Rate review

Overall rating   1 / 10

Westpac is terrible.

Terrible product and terrible customer service.

Full review

Terrible product and terrible customer service.

    Price   1 / 10

    Features   1 / 10

    Customer service   1 / 10

    Convenience   2 / 10

    Trust   1 / 10

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Alicia, New South Wales, reviewed 4 days ago

Westpac

Westpac Credit Card review

Overall rating   9 / 10

Great customer service.

Never any issues, well looked after. Great customer service. Super easy access to online banking.

Full review

Never any issues, well looked after. Great customer service. Super easy access to online banking.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   9 / 10

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Anja, Victoria, reviewed 8 days ago

Westpac

Westpac Low Fee Low Fee review

Overall rating   10 / 10

Best customer service ever.

I have been with Westpac for 25 years. They're the best in every way, I have no reason to change.

Full review

I have been with Westpac for 25 years. They're the best in every way, I have no reason to change.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Bob, Queensland, reviewed 9 days ago

Westpac

Westpac Low Fee Low Fee review

Overall rating   6 / 10

They're okay.

They need more phone people.

Full review

They need more phone people.

    Price   6 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   6 / 10

    Trust   6 / 10

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Charles, New South Wales, reviewed 9 days ago

Westpac

Westpac Low Rate Low Rate review

Overall rating   3 / 10

Shop around.

Not the best, there must be better out there.

Full review

Not the best, there must be better out there.

    Price   5 / 10

    Features   5 / 10

    Customer service   3 / 10

    Convenience   5 / 10

    Trust   3 / 10

Less

Trevor, Western Australia, reviewed 9 days ago

Westpac

Westpac Credit Card review

Overall rating   8 / 10

Competitive signup rates and low fees.

Good interest free period, a good credit amount and low fees.

Full review

Good interest free period, a good credit amount and low fees.

    Price   7 / 10

    Features   4 / 10

    Customer service   9 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Daniel, Tasmania, reviewed 9 days 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

  • Citi Platinum - Balance Transfer Offer

    Citi Platinum - Balance Transfer Offer

    • 0% per annum for 26 months on purchases and balance transfers
    • No Annual Fee for the first year then $199 each year after.
    • Complimentary International Travel Insurance

    balance transfer rate

    0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)

    purchase rate

    21.49% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • 0% per annum for 26 months on purchases and balance transfers
    • No Annual Fee for the first year then $199 each year after.
    • Complimentary International Travel Insurance
    • Balance transfer rate: 0% p.a. for 26 months and then 22.24% p.a. (1.50% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1263 Citi credit card reviews

    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    American Express Velocity Platinum Card

    American Express Velocity Platinum Card

    • 0.0% p.a. on balance transfers for the first 12 months
    • Receive 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved and spend $3,000 on your new Card within the first 3 months.
    • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports

    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

    $375

    Go to site

    More info

    • 0.0% p.a. on balance transfers for the first 12 months
    • Receive 100,000 bonus Velocity Points when you apply online by 12 February 2020, are approved and spend $3,000 on your new Card within the first 3 months.
    • Enjoy 2 complimentary Virgin Australia lounge passes each anniversary year at selected domestic airports
    • Balance transfer rate: 0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
    • Annual fee: $375
    • Purchase rate: 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals:
    • Fee for cash withdrawals:
    • Rewards description: Points automatically transferred to your Velocity account
    Overall rating

    6.6

    Based on 873 American Express credit card reviews

    Need more information?
    Go to site

    More info

  • NAB Low Rate Card

    NAB Low Rate Card

    • 0% purchase rate for the first 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response

    balance transfer rate

    0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

    purchase rate

    0% p.a. for 6 months then 13.99% p.a.

    annual fee

    $59

    Go to site

    More info

    • 0% purchase rate for the first 6 months
    • Up to 55 days interest free on purchases
    • Secure online application and fast response
    • Balance transfer rate: 0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
    • Annual fee: $59
    • Purchase rate: 0% p.a. for 6 months then 13.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.74% p.a.
    • Fee for cash withdrawals: 2%, Min $2.50
    • Rewards description:
    Overall rating

    6.7

    Based on 4197 NAB credit card reviews

    Need more information?
    Go to site

    More info

  • Suncorp Clear Options Platinum (Suncorp Rewards)

    Suncorp Clear Options Platinum (Suncorp Rewards)

    • 0% p.a. for 14 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)

    balance transfer rate

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

    purchase rate

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

    annual fee

    $129 $49 in the first year

    Go to site

    More info

    • 0% p.a. for 14 months on balance transfers
    • 3x Reward Points on everyday Eligible Transactions in the first 6 months (T&Cs apply)
    • Up to 55 days interest free on retail purchases (T&Cs apply)
    • Balance transfer rate: 0% p.a. for 14 months and then 21.99% p.a.
    • Annual fee: $129 $49 in the first year
    • Purchase rate: 0% p.a. for 14 months then 20.74% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
    • Fee for cash withdrawals: 3.50%, min $3.50
    • Rewards description: Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
    Overall rating

    6.6

    Based on 418 Suncorp credit card reviews

    Need more information?
    Go to site

    More info

  • Citi Platinum - Purchase Rate Offer

    Citi Platinum - Purchase Rate Offer

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.

    balance transfer rate

    0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)

    purchase rate

    0% p.a. for 13 months then 21.49% p.a.

    annual fee

    $149 $49 in the first year

    Go to site

    More info

    • Low Annual Fee at $49 for the first year then $149 each year after.
    • 0% per annum for 13 months on purchases and balance transfers.
    • Complimentary International Travel Insurance.
    • Balance transfer rate: 0% p.a. for 13 months and then 22.24% p.a. (1.00% balance transfer fee)
    • Annual fee: $149 $49 in the first year
    • Purchase rate: 0% p.a. for 13 months then 21.49% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 22.24% p.a.
    • Fee for cash withdrawals: 3.5%, min $3.50
    • Rewards description: Transfer points to a range of airline programs or redeem your points for travel, cashback, gift cards, retail rewards and shopping gift cards.
    Overall rating

    5.2

    Based on 1263 Citi 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 226 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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