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Westpac Credit Cards

You could save some serious cash or earn a ton of rewards points by getting a credit card from Westpac.

100,000 Qantas Points when you spend $5,000 in 90 days from card approval.
No points capping, and Westpac’s highest earn rate.
24/7 Altitude Black Card Priority Service line and app.
Complimentary airport lounge passes.
Complimentary insurance cover.
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Compare Westpac’s range of credit cards using our comparison table to figure out your best choice. Use the credit card filter to refine the results and click through on the apply button to get to the online application.

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Westpac Altitude Black Credit Card Exclusive Offer (Altitude Qantas)
APPLY BY 28 feb 17
100,000 Qantas Points when you spend $5,000 in 90 days from card approval.
No points capping and Westpac’s highest earn rate.
Complimentary airport lounge passes.
More info
Add to comparison
-
20.24% p.a.
ongoing
$395
ongoing
Westpac Low Rate Credit Card
APPLY BY 20 apr 17
42 reviews
0% p.a. interest on purchases for up to 6 months.
0% p.a. for 12 months on balance transfers.
No balance transfer fee.
More info
Add to comparison
12 months
0% p.a.
then 13.49%
6 months
0% p.a.
then 13.49%
$59
ongoing
Westpac 55 Day Platinum Credit Card
APPLY BY 20 apr 17
20 reviews
No annual fee for the first year.
0% p.a. interest on purchases for up to 6 months.
0% p.a. for 12 months on balance transfers (no balance transfer fee).
Complimentary international travel insurance cover for up to 6 months.
More info
Add to comparison
12 months
0% p.a.
then 19.84%
6 months
0% p.a.
then 19.84%
$0
1st year
then $90
Westpac Altitude Black Credit Card Exclusive Offer (Altitude Rewards)
APPLY BY 28 feb 17
100,000 bonus Altitude Points when you spend $5,000 in 90 days from card approval.
No points capping and Westpac’s highest earn rate.
Complimentary airport lounge passes.
More info
Add to comparison
-
20.24% p.a.
ongoing
$395
ongoing
Westpac Altitude Black Credit Card
APPLY BY 20 apr 17
37 reviews
50,000 points when you spend $2500 after a first eligible purchase in the first 3 months.
0% p.a. interest on purchases for up to 6 months from approval.
No points capping, and Westpac’s highest earn rate.
More info
Add to comparison
12 months
0% p.a.
then 20.24%
6 months
0% p.a.
then 20.24%
$395
ongoing
Westpac 55 Day Credit Card
APPLY BY 20 apr 17
52 reviews
Cheap credit card from Westpac with no annual fee to pay for the first year (a $30 saving).
Up to 55 days interest-free on purchases when you pay the full closing balance by the statement due date.
0% p.a. on balance transfer for 12 months.
More info
Add to comparison
12 months
0% p.a.
then 19.84%
6 months
0% p.a.
then 19.84%
$0
1st year
then $30
Westpac Altitude Platinum Credit Card
APPLY BY 20 apr 17
33 reviews
50,000 points when you spend $2500 after a first eligible purchase in the first 3 months.
0% p.a. interest on purchases for up to 6 months.
Earn 2 pts per $1 spent on the AmEx card (Altitude Rewards).
More info
Add to comparison
12 months
0% p.a.
then 20.24%
6 months
0% p.a.
then 20.24%
$150
ongoing
Westpac Altitude Credit Card
APPLY BY 20 apr 17
26 reviews
0% p.a. for 12 months on balance transfers.
0% p.a. for 6 months on purchases.
Earn up to 2 Altitude points per $1 spent (AmEx).
More info
Add to comparison
12 months
0% p.a.
then 20.24%
6 months
0% p.a.
then 20.24%
$100
ongoing
Exclusive Offer
Restricted to the first 5,000 customers only.
100,000 Qantas Points when you spend $5,000 in 90 days from card approval.
No points capping restrictions and Westpac’s highest points earn rates.
24/7 Altitude Black Card Priority Service line and app.
2 complimentary passes per year to use at over 700 VIP Priority Pass airport lounges worldwide.
2 complimentary Qantas Lounge invitations per year after your first Altitude Black Card spend on selected Qantas products and services.
2 complimentary passes per year to the American Express Sydney International Airport lounge.
Complimentary insurance cover including Overseas Travel Insurance, Extended Warranty Insurance and Transit Accident Insurance.
Upgrade your Starwood Preferred Guest status up to Gold after a one night stay in a Starwood hotel (using World MasterCard).
Enjoy up to $25 on your first Uber ride.

Disclaimer: New cards only. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Minimum spend criteria applies. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. This promotion is not available in conjunction with any other promotion. This offer is restricted to the first 5,000 customers only.

Q&As about Westpac Credit Cards from Customers

Q: What online banking services are available?

Westpac Online Banking offers access to a range of everyday banking services such as checking balances, bill payments, transferring money and more. Customers can view account transactions from the last 100 days and view and print copies of all statements from the previous seven years.

Q: Can I manage my account via telephone?

Yes. But even better, customers can also access online banking services on mobile devices using Westpac’s mobile app for iPhone, Android and Blackberry phones.

Q: What types of cards does Westpac offer?

The Westpac Low Rate Visa Card or MasterCard is a no-frills credit card with a low interest rate, 55 interest free days on purchases, and the option for a low interest balance transfer. Westpac’s 55 Day Visa Card or MasterCard also offers 55 interest free days and a no annual fee for the first year, as well as low rate balance transfers. The Gold and Platinum 55 Day Visa Card or MasterCard each offer a range of complimentary insurance benefits.

Earth is Westpac’s Qantas Frequent Flyer Rewards credit card, offering two credit cards, one American Express and one MasterCard, both linked to one account with one credit limit and one annual fee. Customers earn Qantas frequent flyer points on eligible purchases with their Earth credit cards and enjoy complimentary Qantas Frequent Flyer membership with no points capping or tiers. Earth also offers the option for low interest rate balance transfers. Gold and Platinum versions of the Earth credit card offer a wider range of extra features and benefits than the basic version.

The Westpac Altitude credit card provides access to the Altitude Rewards program, with two credit cards, one American Express and the choice of either an additional MasterCard or Visa credit card. Both cards are linked to a single account with one credit limit and one annual fee. Customers earn Altitude points on purchase with no points capping or expiry, and can redeem these points for a range of rewards including flights and retail products. The card also offers a low rate on balance transfers for new customers.The Gold version features a range of complimentary insurance covers, while the Platinum version offers even more rewards points and Altitude Platinum privileges.

The Singapore Airlines Westpac Gold credit card features two credit cards linked to one account, with a single monthly statement, one annual fee and one credit limit, and offers the chance to earn Singapore Airlines Krisflyer Frequent Flyer points. The upgraded platinum version offers the same features, but with extra points and premium benefits.

Q: What are Westpac Altitude Rewards?

Altitude Rewards is Westpac’s loyalty program that allows customers to earn points on everyday purchases, with no points capping or expiry while they remain an Altitude member. Points can be redeemed for a variety of flights, products and services selected from the Altitude online store.

Q: What can points be redeemed for?

Altitude points can be redeemed for a selection of rewards at Altitude Rewards online store. The store offers approximately 1,000 products, 100 travel destinations with 10 airlines and 200 hotels. Retail products available include electronics, homewares and appliances, leisure and fitness, luxury goods, entertainment and experiences, financial services, vouchers and gift cards. The online store also features regularly updated special offers and the premium Platinum Collection.

Q: What other services and products do they have?

Westpac presents the full range of banking products and service to personal customers, businesses of all sizes and corporate clients. Business services include accounts, credit cards, business loans, merchant services, insurance, international trade and advice for businesses at every stage of their development. Personal banking services include transaction accounts, credit cards, home loans, personal loans, insurance and investments. Personal customers are also offered expert financial advice on specific situations such as buying homes, student accounts, investing money and planning for the future, including retirement schemes.

Q: How long have Westpac been around?

Westpac was first established in 1817 as the Bank of New South Wales, based in Sydney, the country’s first official bank. The company faced a major set back in 1821 when the Chief Cashier stole half of the bank’s capital, which was never recovered, but survived and thrived during the gold rush of the mid-19th century. The bank expanded greatly over the next few decades, with new branches opening in Brisbane in 1850, Victoria in 1851, New Zealand 1861, South Australia in 1877, Western Australia in 1883, Fiji in 1901, and Papua New Guinea and Tasmania in 1910.

The bank continued to expand its operations throughout Australia and Oceania during the 20th century with a series of acquisitions including Western Australian Bank in 1927 and Australian Bank of Commerce in 1931. In 1982, The Bank of New South Wales merged with the Commercial Bank of Australia Ltd under the new name of Westpac Banking Corp. The name is an abbreviation of Western-Pacific, reflecting the bank’s presence in Australia and Oceania. The new group was the largest banking operation in Australia, and continued to grow with further acquisitions in the 1990s including Challenge Bank Ltd, the Trust Bank New Zealand and the Bank of Melbourne. In December 2008 Westpac merged with St.George Bank, making a much larger multi-brand banking group, one of Australia’s 'big four’ banks and the second-biggest bank in New Zealand.

Westpac Today

Following the 2008 merger with St.George, Westpac currently serves around 12 million customers, the largest bank branch network in Australia, and $678 billion in global assets. Westpac is Australia’s second-largest bank by assets, second-largest provider of home lending and the county’s third-largest credit card provider. From 2004 to 2007, the Dow Jones Sustainability Index identified Westpac as the most sustainable bank in the world.

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