Westpac Credit Cards

Westpac have a good range of credit cards in Australia, with low interest rate credit cards, great balance transfer deals and a healthy range of rewards cards.

Best Westpac Credit Card

With the Westpac Low Rate you can pay for a limited time, only 1.99% p.a. for up to 9 months on balance transfers. Enjoy a low on-going purchase rate, and the choice of either Visa or MasterCard. All Westpac credit cards are protected from fraud by CardShield

• $45 annual fee
• 12.74% p.a. on purchases
• 20.74% p.a. on cash advances
• 1.99% p.a. for 9 months on balance transfers
• Paperless eStatements available

Click here to read the Westpac Low Rate Card terms and conditions

Westpac Credit Card Comparison

Credit Card	Card Details	Interest Rate	Cash Advance Rate	Balance Transfer Rate	Annual fee	Interest free days
Westpac Low Rate Card	For a limited time, pay 1.99% p.a. for up to 9 months on balance transfers	12.74%	20.74%	1.99% for 9 months	$45	55
Westpac Earth Cards	2 cards linked to one account. Earn Qantas Frequent Flyers along with free introductory points.	19.14%	20.64%	1.99% for 9 months	$75	45
Westpac Earth Gold Card	Greater point conversion rates than the Standard Earth card. Complimentary travel insurance and benefits.	19.14%	20.64%	1.99% for 9 months	$125	45
Westpac Earth Platinum Cards	First year annual fee of $125. Greater introductory point offers and conversion rate than Earth Gold. Plenty of travel insurance/benefits.	19.14%	20.64%	1.99% for 9 months	$250	45
Westpac 55 Day Card	No annual fee for the first year. 55 days interest free.	18.84%	20.74%	1.99% for 9 months	$30	55
Westpac 55 Day Gold Card	No annual fee for the first year or if you spend over $15,000 per annum. Higher credit limits and insurance benefits than the Standard 55 Day Card.	18.84%	20.74%	1.99% for 9 months	$90	55
Westpac 55 Day Platinum Card	No annual fee for the first year or if you spend over $20,000 per annum. Higher credit limits and further travel and insurance benefits than the Gold 55 Day Card.	18.84%	20.74%	1.99% for 9 months	$130	55
Westpac Altitude Card	Redeem Altitude points for flights on any of the world's major airlines. Earn up to 3 bonus points for every dollar spent.	19.14%	20.99%	1.99% for 9 months	$100	45
Westpac Altitude Gold Cards	>Redeem Altitude points for flights on any of the world's major airlines. Receive 10,000 points when your card is first used. Free insurance and travel benefits. Everything included in the Standard Altitude, + More.	19.14%	20.99%	1.99% for 9 months	$150	45
Westpac Altitude Platinum Cards	Redeem Altitude points for flights on any of the world's major airlines. Receive 15,000 points when your card is first used. lots of Platinum benefits and privileges. Everything included in the Gold Altitude, + More.	19.14%	20.99%	1.99% for 9 months	$295	45
Westpac No Annual Fee Card	No annual fee ever for the life of the credit card 2 cards linked to one account. Earn Qantas Frequent Flyers along with free introductory points.	18.99%	20.49%	3.99% for 6 months	$0.00	0	N/A
Westpac Holden GM MasterCard	10% rebate on a new Holden, Saab or Hummer for every $1 you spend up to $3000. No first year annual fee, then $55.	19.45%	19.45%	3.99% for 6 months	$0.00/55.00	45	N/A N/A
Westpac Student Visa Card	The most popular student credit card in Australia. Easy approval requirements, and low credit limits. No first year annual fee, then $30.	19.45%	18.95%	N/A	$0.00/30.00	45

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To compare other leading credit cards on the Australian market, view our best credit card comparison table.
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Editor's Choice: Our Top Credit Cards




Credit Card	Card Details	Interest Rate (p.a.)	Cash Advance Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Interest free days (up to)
St George Vertigo	Editor's Choice: Low Interest Low 2.99% for 6 months (reverts to 11.99%) p.a. interest rate and balance transfer rate, from one of Australia's most respected banks.	2.99% for 6 months (reverts to 11.99%)	20.74%	2.99% for 6 months	$55	55
Coles Group Source MasterCard	The Coles Group Source MasterCard has no annual fee, a 0% p.a. balance transfer offer for 6 months, with a rewards program including savings on fuel and FlyBuys Points	19.74%	21.99%	0% for 6 months	$0	62
Bankwest Zero Platinum MasterCard	Editor's Choice: No Annual Fee Excellent introductory offer with a $0 annual fee for the life of the credit card and a 1.99% p.a. for 9 months on balance transfers	16.99%	16.99%	1.99% for 9 months	$0	55