Westpac credit cards
Compare 14 Westpac credit cards on rates, fees and rewards, side by side.
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Compare 14 Westpac credit cards
| Card | Name and rating | Annual fee | Purchase rate | Rewards program | Sign-up bonus | Interest-free days | |
|---|---|---|---|---|---|---|---|
 | $108 | 9.90% p.a. | — | — | Up to 45 | 60 second approval | |
 | Westpac Low Rate Card 38 reviews | $84 | 13.74% p.a. | — | — | Up to 55 | 60 second approval |
 | $59 | 13.74% p.a. | — | — | Up to 55 | 60 second approval | |
 | Westpac Altitude Rewards Platinum 19 reviews | $99 | 23.98% p.a. | Westpac Altitude Rewards | 100,000 pts | Up to 45 | 60 second approval |
 | Westpac Altitude Rewards Black 18 reviews | $200 | 23.98% p.a. | Westpac Altitude Rewards | 200,000 pts | Up to 45 | 60 second approval |
 | $0 | 20.99% p.a. | — | — | Up to 55 | 60 second approval | |
 | $0 | 20.24% p.a. | Westpac Altitude Rewards | — | Up to 55 | 60 second approval | |
 | $75 | 14.25% p.a. | — | — | Up to 55 | 60 second approval | |
 | $200 | 20.24% p.a. | Westpac Altitude Rewards | — | Up to 55 | 60 second approval | |
 | $150 | 20.24% p.a. | Qantas Business Rewards | 100,000 pts | Up to 55 | 60 second approval | |
 | $175 | 23.98% p.a. | Qantas Frequent Flyer | 100,000 pts | Up to 45 | 60 second approval | |
WestpacPlatinum •••• •••• •••• •••• Credit Card CompareMastercard | $175 | 23.98% p.a. | Velocity Frequent Flyer | 100,000 pts | Up to 45 | 60 second approval | |
 | $295 | 23.98% p.a. | Velocity Frequent Flyer | 150,000 pts | Up to 45 | 60 second approval | |
 | $295 | 23.98% p.a. | Qantas Frequent Flyer | 150,000 pts | Up to 45 | 60 second approval |
What's happening with Westpac credit cards in October
By 
David BoydUpdated 25 October 2026
- Market news
Westpac to increase interest rates for Visa and Mastercard users amid surcharge ban.
Westpac is raising interest rates specifically for Visa and Mastercard credit card customers following the implementation of Australia's credit card surcharge ban on 1 October 2026.
Westpac Visa and Mastercard holders will see their interest rates go up from 1 October 2026 when Australia's surcharge ban takes effect, which may increase borrowing costs for customers who carry a balance.
Westpac by the numbers
14
Cards compared
9
Cards earning rewards
2
Cards with balance transfer
19.80% p.a.
Average purchase rate
$137
Average annual fee
$0
Lowest annual fee
50 days
Average interest-free days
How do Westpac cards compare?
View all →- American Express Explorer Credit CardvsWestpac Altitude Qantas Platinum
- American Express Explorer Credit CardvsWestpac Altitude Rewards Platinum
- American Express Low Rate Credit CardvsWestpac Low Fee Card
- American Express Platinum Business CardvsWestpac BusinessChoice Rewards Platinum Credit Card
- American Express Platinum CardvsWestpac Altitude Rewards Black
- American Express Velocity Platinum CardvsWestpac Altitude Velocity Platinum
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Sources
- Credit Card Compare
- Credit card statistics for Australia
- Issuer
- Westpac