Westpac is one of the big four banks here in Australia, making it instantly recognisable. This is Australia’s first bank and also its oldest company, with a long history that has allowed it to expand and grow to offer an extensive range of financial products and services to its 13 million customers.
Within its consumer banking division, Westpac offers a diverse selection of credit cards for personal and business use. These range from no-frills options perfect for cardholders who want to keep it simple, to premium cards for those who want that little bit more.
0% balance transfer offer for 26 months with 2% BT fee (reverts to cash advance rate). $59 annual fee. Free additional cardholder.
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Balance Transfer Rate - Low to high Balance Transfer Period - Long to Short Balance Transfer Fee - Low to High Purchase Rate - Low to high Annual Fee - Low to high
0% p.a. Balance Transfer
0% balance transfer offer for 26 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> $ 0 saved over 26 months
0% balance transfer offer for 26 months with 2% BT fee (reverts to cash advance rate). $59 annual fee, or free the first year if you're an existing Westpac customer. Free additional cardholder.
Up to $350 Cashback + Low purchase rate
$50 cashback for each month you spend $1,000 or more on eligible purchases in the first 7 months from card approval. Low ongoing purchase rate. Free additional cardholder.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> $ 0 saved over 12 months
$50 cashback for each month you spend $1,000 or more on eligible purchases in the first 7 months from card approval. Low ongoing purchase rate. Free additional cardholder.
$0 first-year annual fee + $200 cashback
Plus, pay no annual fee in subsequent years when you meet the $5,000 annual spend requirement, earn cashback with Westpac Lounge and use easy money tools to manage your accounts.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> $ 0 saved over months
Plus, pay no annual fee in subsequent years when you meet the $5,000 annual spend requirement, earn cashback with Westpac Lounge and use easy money tools to manage your accounts.
Lower purchase and cash advance interest rate
Set individual card credit limits from $1,000 on up to 99 cards. Annual fee of $75 per card. Complimentary insurance for unauthorised transactions, transit accidents and flight inconvenience.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> $ 0 saved over months
$75 Annual fee per card. Set individual card credit limits from $1,000 on up to 99 cards. Up to 55 days interest free on purchases. Unauthorised transactions, transit accidents and flight inconvenience insurance.
Low rate purchase card with no fees for foreign transactions or late payments. Monthly $9 card fee.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> $ 0 saved over months
Get $30 back when you make 10 or more everyday purchases each month for the first 12 months. Low rate purchase card with no fees for foreign transactions or late payments. Monthly $9 card fee.
No annual fee the first year - save $90. Premium complimentary insurances.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> $ 0 saved over 12 months
No annual fee the first year - save $90. Premium complimentary insurances.
Purchase Rate - Low to high Bonus Point - Low to high Earn rate - High to low Annual Fee - Low to high
Up to 120,000 bonus Altitude Rewards Points
Min spend applies. Reduced annual fee first year, or waived if you're an existing customer. Complimentary overseas travel insurance cover.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Up to 120,000 bonus Altitude Rewards Points when you spend $3,000 on eligible purchases within 90 days of card approval (90,000 pts) and when you keep your account for at least 12 months (30,000 pts). Reduced annual fee first year.
Altitude Rewards
first year then $175 p.a.Altitude Rewards
over 12 months spend 50% Complete (success)
Up to 150,000 bonus Altitude points
Min spend and offer T&Cs apply. Reduced annual fee in the first year. Complimentary insurance covers plus, 2 lounge passes each year with Priority Pass.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Up to 150,000 bonus Altitude points - get 100k points when you spend $6,000 within the first 120 days in year 1 plus 50k points after first eligible purchase in year 2. Complimentary overseas travel insurance. T&Cs apply.
Altitude Rewards
first year then $295 p.a.Altitude Rewards
over 12 months spend 50% Complete (success)
Waived joining fee
Set individual credit limits on up to 99 cards. 24/7 Platinum concierge plus complimentary travel, purchase, and business-related insurance covers.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Set individual credit limits on up to 99 cards. 24/7 Platinum concierge plus complimentary travel, purchase, and business-related insurance covers.
(earned as 0.75 points per $1.50) Capped at $100,000 per month. Bonus Qantas Points excluded in the cap.
(earned as 0.75 points per $1.50) Capped at $100,000 per month. Bonus Qantas Points excluded in the cap.
Qantas Frequent Flyer
Qantas Frequent Flyer
over 12 months spend 50% Complete (success)
Westpac Altitude Business Platinum credit card" />
$0 annual fee first year & 4.99% p.a. for 12 months on balance transfers
Personal Concierge Service plus complimentary insurance covers. Earn up to 2 points per $1 spent, convert points to merchandise or frequent flyer points.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Complimentary insurance covers. Earn up to 2 points per $1 spent, convert points to merchandise or frequent flyer points.
Altitude Rewards
first year then $200 p.a.Altitude Rewards
over 12 months spend 50% Complete (success)
Westpac Altitude Business Gold Mastercard" />
No annual fee first year & 4.99% p.a. for 12 months on balance transfers
Complimentary insurance covers. Convert points to merchandise or frequent flyer points.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Complimentary insurance covers. Convert points to merchandise or frequent flyer points.
Capped at $20,000Altitude Rewards
first year then $150 p.a.Altitude Rewards
over 12 months spend 50% Complete (success)
Up to 120,000 bonus Qantas points
90,000 bonus points when you spend $6,000 within 120 days, plus 30,000 points after the first spend in year 2.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Up to 120,000 bonus Qantas points. 90,000 bonus points when you spend $6,000 within 120 days, plus 30,000 points after the first spend in year 2. --->0% p.a. on balance transfers for 24 months requested at card application (1% BT fee applies). --->
Qantas Points are capped at $250,000 per year. Bonus Qantas Points excluded in the cap.Qantas Frequent Flyer
Qantas Frequent Flyer
over 12 months spend 50% Complete (success)
0% interest + $10/month fee (or free)
Pay no interest and $10 per month, waived when the monthly balance is paid in full. Credit limit of $1,000, plus earn points through Westpac Extras and Rewards. No foreign transaction fees. Flexible repayment options.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
Pay no interest and $10 per month, waived when the monthly balance is paid in full. Credit limit of $1,000, plus earn points through Westpac Extras and Rewards. No foreign transaction fees. Flexible repayment options.
Up to 80,000 Bonus Qantas points
60,000 Qantas Points when you spend $4k+ within 90 days and an extra 20,000 points after your first eligible purchase in year 2. Complimentary overseas travel insurance. Discounted annual fee.
• 30 days is indicative of 1 month • Point caps are reset every statement period, which we have also assumed to be 1 month • There is a fixed monthly spend for 365 day. • Your monthly spend is multiplied by the earn rate for that 12 months. • You’ll be getting the highest earn rate for spending (if the card has tiered earn rates). • Points capping is factored in, if applicable, as is any sign-up bonus. Bear in mind though, terms and conditions always apply to points earning and sign-up bonus points.'> points earned over 12 months
60,000 Qantas Points when you spend $4k+ within 90 days and an extra 20,000 points after your first eligible purchase in year 2. Complimentary overseas travel insurance. Discounted annual fee.
Capped at $100,000 per year. Bonus Qantas Points excluded in the cap.Qantas Frequent Flyer
first year then $175 p.a.Qantas Frequent Flyer
over 12 months spend 50% Complete (success)Update your filters to get more cards to display. Reach out if you are having any problems.
As one of Australia's biggest and best-known banks, Westpac is committed to gaining enduring customer relationships, and strives to give customers products and services that go above and beyond.
If you want to save on your next credit card, take a look at the Westpac Low Rate card, offering an excellent low ongoing purchase rate. The Westpac Low Fee card is also a great money-saver, especially with its introductory offers.
If you want rewards, Westpac has got them with their own rewards program Altitude Rewards, or you can choose to earn Qantas Points.
Westpac started out in 1817 as the Bank of New South Wales. Over the years, the bank took the lows - such as the 1929 stock market crash – with the highs, one of which was the 2000 Sydney Olympics, where Westpac was principle sponsor. In 1982, the bank became Westpac, and from there, continued to grow. Today, Westpac offers an expansive range of products, both under the Westpac brand, and through its subsidiary brands, St.George, Bank of Melbourne, BankSA and RAMS.
Alongside its banking services, Westpac also works to support communities through its family of philanthropic foundations, which include the Westpac Foundation, the Westpac Bicentennial Foundation, the St.George Foundation, the Bank of Melbourne Neighbourhood Fund and the BankSA Foundation. If you’d like to be part of what Westpac has to offer, check out the bank’s range of cards above to find low rate and low fee options, rewards cards earning points on a variety of programs, and premium cards that offer more to the discerning cardholder.
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HI Geoff, it actually depends on what credit card you have. If you know what Westpac credit card you have, you can read our review to find out if there’s complimentary travel insurance. If you’re in doubt, I recommend contacting Westpac directly at 132 032 to check what features and benefits are included with your specific card.
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General Disclaimer: We compare over 250 credit cards in the Australian market. While we don’t compare all credit cards available, we do compare a large number of credit cards generally available to consumers. Please understand that the product information we include in our comparison is not comprehensive and may not address all the features relevant to you. Even though we provide information and assistance on credit cards in Australia, we are neither recommending that you apply for any particular product nor suggesting that any particular product is appropriate for you. We recommend that you consider your own personal circumstances, read the provider's Product Disclosure Statement (PDS) and Target Market Determination (TMD), or obtain independent advice, before transacting on the basis of the information on our site. Interest rates, fees and charges are subject to change without notice. Although reasonable efforts are made to maintain accurate information, product features and fees are subject to change and our information is presented without warranty. On this website, we provide credit assistance and act as an intermediary and we may receive a commission when credit cards are applied for as a result of the outbound links on this site. When you click on the ‘Go to offer’ button you will have an opportunity to review the credit card terms and conditions on the credit card issuer’s web site before applying. For clarity, we’d like to emphasise that the use of terms ‘Best’ or ‘Top’ are not product ratings and, like your use of our website, are subject to our Terms and Conditions of Use.
• The annual fee is charged in the first month.
• You only pay the minimum monthly payment of your overall balance each month.
• You do not spend or withdraw cash on the card until the balance transfer period ends or is paid in full.
• All other fees and charges that may apply are excluded. When there is no interest savings or a negative interest saving after the introductory period, the calculator will display $0.'> Filter your savings
Adjust the filters to see how much you could save with a balance transfer to a new credit card
