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Credit card solutions

 

Help me choose

This tool can help you choose the right card.

Compare our cards

Use this tool to compare the features of our cards.

 

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Interest rates and other fees & charges

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Earth

  • Apply by 10 January 2009, use your cards 3 times before 31 March 2009 and get 5,000 Extra Qantas Frequent Flyer Points7
  • Enjoy 0.99% p.a. on balance transfers for 6 months1
Apply now for an Earth card

More info

 
 

Earth Gold

  • Apply by 10 January 2009, use your cards 3 times before 31 March 2009 and get 10,000 Extra Qantas Frequent Flyer Points7
  • Until 31 March 2009 earn 2 points per $1 spent on Earth Gold American Express® Card. From 1 April 2009 reverts to 1 point per $1 spent6
  • Enjoy 0.99% p.a. on balance transfers for 6 months1
Apply now for an Earth Gold card

More info

 
 

Earth Platinum

  • Apply by 10 January 2009, use your cards 3 times before 31 March 2009 and get 20,000 Extra Qantas Frequent Flyer Points7
  • Until 31 March 2009 earn 3 points per $1 spent on Earth Platinum American Express® Card. From 1 April 2009 reverts to 1.5 points per $1 spent6
  • Enjoy 0.99% p.a. on balance transfers for 6 months1
Apply now for an Earth Platinum card

More info

 
 

Altitude

  • Earn valuable reward points and enjoy a great range of rewards.
  • Enjoy 3.99% p.a. on balance transfers for 6 months1
  • Receive 5,000 bonus Altitude points from when your card is first used2
Apply now for an Altitude credit card

More info

 
 

Altitude Gold

  • Shop with free purchase security and extended warranty insurance.
  • Enjoy 3.99% p.a. on balance transfers for 6 months1
  • Receive 10,000 bonus Altitude points from when your card is first used2
Apply now for an Altitude Gold credit card

More info

 
 

Altitude Platinum

  • Earn 3 points per $1 spent on your Altitude Platinum American Express® card and 1 point per $1 spent on your Altitude Platinum MasterCard®.
  • Enjoy 3.99% p.a. on balance transfers for 6 months1
  • Receive 15,000 bonus Altitude points from when your card is first used2
Apply now for an Altitude Platinum credit card

More info

 
 

55 Day MasterCard or Visa

  • An everyday card with an interest free period of up to 55 days4
  • Annual fee waived for the first year.
  • 0% p.a. on purchases for the first 5 months from when your account is opened (special promotion for a limited time)5
Apply now for a 55 Day MasterCard or Visa

More info

 
 

55 Day Gold MasterCard or Visa

  • A high credit limit and a range of insurance benefits including complimentary Overseas Travel Insurance3 cover
  • Annual fee waived for the first year.
Apply now for a 55 Day Gold MasterCard or Visa

More info

 
 

Low Rate MasterCard or Visa

  • A simple, no frills card with a low interest rate.
  • Enjoy 3.99% p.a. on balance transfers for 6 months1
Apply now for a Low Rate MasterCard or Visa

More info

 
 

GM Holden Card

  • Be rewarded with savings of up to $3,000 on a new Holden.
  • Enjoy 3.99% p.a. on balance transfers for 6 months1
Apply now for a GM Holden Card

More info

 
 

No Annual Fee MasterCard

  • No annual fee for the life of the card.
  • Enjoy 3.99% p.a. on balance transfers for 6 months1
Apply now for a No Annual Fee MasterCard

More info

 
 

Student Visa Card

  • A card designed for tertiary students.
Apply now for a Student Visa Card

More info

 
 

 

 

You now have a choice when verifying transactions with certain credit cards; either sign as normal or key in your PIN.

If you need a credit card for business purposes, see our range of Business cards.

Got a question about Credit Cards? Ask Westpac

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

1.This special rate is only available to customers who are applying for an applicable Westpac card and wish to transfer the balance(s) from a non-Westpac or non-Virgin credit card(s), charge card(s) or store card(s). Each balance transfer must be a minimum amount of $200. This promotion is only available at point of new card application. The special balance transfer promotional rate will apply from the time the balance transfer is made to your account for the number of months specified in the offer (unless these amounts are paid off earlier). After this time, any amount of the initial balance transfer still outstanding will attract the standard product interest rate then applicable to cash advances. Subsequent balance transfers made after point of new card application will be charged the standard product interest rate applicable to cash advances. Please note that payments made to the credit card are first applied to amounts transferred from other credit cards, charge cards or store cards under this offer, before they applied to any other cash advance or purchase amount. This will mean that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first and you will not gain the benefit of any interest-free days on purchases until the full balance (including any balance transfer or any other promotional amount) is paid by the statement due date each month.
2. If you obtain a credit card as part of a Westpac package or switch from an existing Westpac card, you are not eligible for the bonus points described. Promotion not available in conjunction with any other promotion. The bonus Altitude points will be added to your account within 8 weeks of when you first use your card. Altitude points not earned on cash advances. You must have earned a minimum of 3,000 points before you can redeem for any rewards. The earning and redemption of Altitude points (including available rewards and expiry of points) is subject to the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles. You are not entitled to points in other circumstances – see the Altitude Terms and Conditions.
3. This insurance is issued by Zurich Australian Insurance Limited ABN 13 000 296 640 which is liable for separate risks insured under the terms of each policy. These insurance products are complimentary and provided free of charge to the cardholder. The cardholder is under no obligation to accept the insurance cover and cover is subject to the conditions, limits and exclusions on cover, which are explained in the policy wording. No Westpac Group company has any liability in connection with the insurance policies. Policy wording may be obtained by calling 1300 859 100 or by downloading the Gold Card Insurance conditions of use (PDF 244kb) or the 55 Day Platinum Card Insurance Policy (PDF 331kb
4. On credit purchases only, where account balance (including any balance transfer amount) is paid in full by the due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.
5. The introductory rate of 0% p.a. on purchases for the first 5 months is only applicable on credit purchases made using your 55 Day MasterCard (or 55 Day Visa card) within 5 months from the date your account is opened. After that 5 month period, the introductory purchase interest rate of 0% p.a. will switch to the standard purchase interest rate, (currently 19.49% p.a. and subject to change) then applicable to your product. The introductory rate is applicable to credit purchases only and excludes cash advances and balance transfers. This special promotion is subject to change and is not available to customers who obtain a 55 Day MasterCard or 55 Day Visa card as part of a Westpac package; or who switch from an existing Westpac card. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.
6. The earning of Qantas Frequent Flyer points through the use of Earth or Earth Gold Cards is subject to the Earth Conditions of Use, or through the use of Earth Platinum Cards is subject to the Earth Platinum Conditions of Use. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. A joining fee usually applies, but is waived for new Earth, Earth Gold or Earth Platinum cardholders where card applications are received by 30 June 2009. For more information on the Qantas Frequent Flyer program visit qantas.com/frequentflyer. Qantas Frequent Flyer points are not earned on cash advances and balance transfers (refer as relevant to the Earth Conditions of Use or the Earth Platinum Conditions of Use for what we regard as cash advances. This includes the purchase of gambling chips and traveller's cheques and ATM withdrawals). You are not entitled to points in other circumstances - refer as relevant to the Earth Conditions of Use or the Earth Platinum Conditions of Use .
7.If you obtain a credit card as part of a Westpac package or switch from an existing Westpac card, you are not eligible for the extra 5,000, 10,000 or 20,000 points described. Your extra Qantas Frequent Flyer points will usually be allocated to your valid Qantas Frequent Flyer membership account within 6 weeks of 31 March 2009.

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