Ignite MasterCard

Information verified correct on October 28th, 2016

Westpac Ignite MasterCard

Important Information
  • The Westpac Ignite Credit Card is no longer available for applications as this credit card is no longer available to new customers. The information provided and cards cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.
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Westpac Low Rate Card

Westpac Low Rate Card

The Westpac Low Rate has a limited time only balance transfer deal which will give you the benefit of a lower interest rate on your existing balance.

  • $59 p.a. annual fee
  • 1% p.a. for 12 months (reverts to 13.49% p.a.) on purchases
  • 0% p.a. for 16 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $15,000 p.a.

The Ignite MasterCard is the Westpac replacement for the Virgin credit card. In February of 2009 the Ignite card first came out, replacing the Virgin card after their contract with Westpac expired. Although the Virgin contract went away Westpac was able to maintain the customer profiles and continue offering a great credit card. Westpac has chosen to maintain the no frills status of the Virgin card by offering low interest rates and fees to their customers. Instead of offering introductory deals and other offers they give you what you need from a card which is low rates all of the time and benefits that you can really used, no matter what your spending profile.

Westpac Ignite MasterCard Benefits

  • No annual fee. This is a real deal when it comes to free annual fees, because it lasts for life. No annual fees, forever.
  • Low purchase interest rate per annum on purchases.
  • Comparatively low interest rate on cash advances.
  • Up to 55 interest free days on purchases. If you pay your bill each month you can basically use this card completely free of charge.

Valuable Instant Offers Program

Instead of earning points through spending this card offers you savings instantly when you spend with Ignite MasterCard partners.

  • Premium Wines Direct gives you a 15% discount on any purchases with them.
  • RedBalloon, Australia’s most reliable supplier of experiences like hot air balloon rides and V* race card driving offers a $30 discount on any gifts over $129.
  • Rebel Sport provides a 5% discount on merchandise from their selection of clothing, footwear, and sport and leisure equipment.
  • Cinema ticket discounts at Village, Greater Union, Birch Carrol and Coyle, and Event Cinemas as long as your buy your tickets online.
  • Theme park tickets discounted 15% at Warner Village Theme Parks, Dreamworld and WhiteWater World, Australia Zoo, Sydney Wildlife World, Sydney Aquarium, and Sydney Tower.

The Ignite MasterCard offers you the chance to benefit from no annual fees coupled with great interest rates. Most of the time credit card owners are forced to sacrifice a low interest rate for a high annual fee, but with Ignite that is not the case. In addition, you can even get some great discounts just by using your Ignite card, perks that come for free just for owning this great card. There is just no need to pay high annual fees and high interest rates when you can take advantage of the Ignite MasterCard and get great rates and valuable perks for free.

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10 Responses to Ignite MasterCard

  1. Default Gravatar
    | June 6, 2016

    Need ignite. Master card statement

    • Staff
      Ysa | June 6, 2016

      Hi Feros,

      Thanks for your question.

      Existing cardholders for Westpac Ignite MasterCard can obtain a card statement by going through the Westpac Online Banking.
      This enables you to view the copies of your online statements any time. You’ll just need to sign in, click on your card and choose “View & download statements”.

      I hope this helps.


  2. Default Gravatar
    Loretta | April 30, 2016

    I will be travelling to New York within the month. Will I be able to use my ignite Mastercard?

    • Staff
      Ysa | May 4, 2016

      Hi Loretta,

      Thanks for your question.

      Yes, you should be able to use your Westpac Ignite MasterCard when you travel to New York.

      It would also be suggested to notify Westpac regarding your travel dates and destination. You can do this by getting in touch with the Ignite Card team on 1800 080 00 or thru online, if you are registered to Online Banking.

      I hope this helps.


  3. Default Gravatar
    Happy | January 12, 2016

    I have been offered a Westpac Platinum Visa card to replace my Westpac Ignite MasterCard. What would I be losing by changing? I’m a bit suspicious of the offer.

    • Staff
      Debbie | January 12, 2016


      Thanks for your question.
      Please note that you’ve come through finder.com.au, an online comparison service and not Westpac.

      There may be changes on the interest rate or fees applied from your Ignite MasterCard. You may want to contact directly a Westpac customer service representative, they might be able to inform you more details for the card replacement offer.

      To check the existing Westpac platinum credit cards, kindly refer to our comparison page.
      I hope this helps.


  4. Default Gravatar
    Alfred | May 29, 2015

    Hi I have a IGNITE Mastercard, and I would like to check my account. I know my PIN, but where do I go to Log In. Some of your Links to Ignite, show up as Errors.
    Appreciate your advice

    • Staff
      sally.mcmullen@hiveempire.com | May 29, 2015

      Hi Alfred,

      Thank you for your question.

      Just to confirm, you have come through to finder.com.au, not Westpac.

      You can log in to your IGNITE MasterCard online account, but it appears that the website is down on their end. If you’re still having trouble accessing the site, it may be best to contact Westpac’s Customer service team to notify them of this issue.

      I have emailed you the Customer Service number so you can contact Westpac directly.

      I hope this has answered your question.



  5. Default Gravatar
    luz | March 9, 2015

    Hi good morning. If I will buy my airfare using my credit card, is there no need for me to get travel insurance?

    • Staff
      Jonathan | March 9, 2015

      Hi Luz, thanks for your inquiry!

      Depending on your travel insurance needs, credit card complimentary insurance could be sufficient. It would be best to check the terms and conditions for the inclusions and to then evaluate whether it is ideal for your needs. For a list of credit cards which include complimentary travel insurance please see this page.



Credit Cards Comparison

Rates last updated October 28th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on purchases and balance transfers for 15 months. This card also comes with a low annual fee.
0% p.a. for 15 months (reverts to 13.99% p.a.) 0% p.a. for 15 months with a one off 3% balance transfer fee $59 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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