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CHOOSE THE CARD THAT FITS YOUR LIFESTYLE

Credit Cards

Experience ultimate financial flexibility with a card designed for your daily life. Enjoy global acceptance, robust security features, and seamless digital wallet integration. Whether you want to maximize your purchasing power or simplify your everyday spending, our cards offer the convenience and peace of mind you deserve. Open Account
Basic Card
Signature Card
Rewards Card
Travel Rewards
Platinum Card
features
$0
Annual fee

Interest Free
55 Days
Yes
PartPay

Westpac Low Fee Card

Enjoy a straightforward everyday card designed to minimize your card fees.
  • Pay $0 annual card fee for the first year and every year thereafter by meeting the $5,000 minimum annual spend requirement.
  • Take advantage of a competitive variable purchase interest rate of 20.99% p.a.
  • Flexibly split eligible card purchases into 4 easy installments over 6 weeks with zero added interest.
  • Gain access to exclusive Westpac Extras to unlock personalized cashback offers and retail discounts when you shop
  • This online-only offer is available for new customers who apply directly through this page.
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features
Card Fee
$59
Annual Fee
Purchase Rate
13.74%
Yes
Digital Lock

Westpac Low Rate Card

Our lowest ongoing interest rate on purchases to help you save month-to-month.
  • Enjoy our lowest variable purchase rate of 13.74% p.a., making it easier to manage balance carry-overs.
  • Earn up to $450 cashback ($75 statement credit per month when you spend $1,000+ on eligible purchases for the first 6 consecutive months).
  • Consolidate your debts smoothly with our promotional 0% p.a. Balance Transfer offer for the first 24 months (3% balance transfer fee applies).
  • Features smart safety mechanisms, including a temporary digital card lock via the Westpac App for secure banking on the go.
  • Apply online to lock in this introductory promotional rate before the offer is withdrawn.
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features
Interest Bearing
$175
Annual Fee
Altitude
Rewards
Included
Travel Cover

Westpac Altitude Platinum Card

Earn uncapped rewards points on your everyday spending with premium perks.
  • Earn uncapped Altitude Rewards points on every dollar spent on eligible everyday purchases.
  • Redeem your accumulated points flexibly for retail gift cards, top-tier partner airline miles, or direct cashback.
  • Includes complimentary overseas travel insurance, purchase protection, and extended warranty insurance for total peace of mind.
  • Use the Pay with Points feature to clear transaction balances instantly anywhere Mastercard is accepted.
  • New approved customers can unlock exclusive sign-up bonus points offers upon meeting minimum spend tiers.
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features
$250
Annual Fee
Qantas
Rewards
Yes
PartPay

Westpac Altitude Qantas Platinum Card

The perfect travel companion designed to get your frequent flyer goals off the ground faster.
  • Earn Qantas Frequent Flyer points directly into your Qantas account on all eligible domestic and international purchases.
  • Save on early flights with access to up to 6 months of comprehensive complimentary international travel insurance.
  • Features a 20.99% p.a. variable purchase rate and up to 45 interest-free days on standard purchase cycles.
  • Boost your balance with introductory travel-focused bonus point promotions when you open a new account online.
  • Manage your travel budget effortlessly by activating the PartPay setting to split major trip bookings into 4 smaller payments.
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features
$295
Annual Fee
Included
VIP Lounge Passes
24/7
Concierge

Westpac Altitude Black Card

Our highest tiered rewards card offering maximum points value, luxury lounge perks, and concierge services.
  • Maximize your earnings with our highest return rates: earn 3 Altitude points per $1 on international spend and 2 points per $1 on everyday purchases.
  • Enjoy exclusive complimentary airport lounge access passes annually to elevate your global travel experiences.
  • Unlock a dedicated 24/7 Personal Concierge Service to seamlessly secure hard-to-get tickets and last-minute dining reservations worldwide.
  • Receive elite premium coverage including interstate flight inconvenience cover, rental vehicle excess insurance, and extended product warranties.
  • Existing Westpac customers can apply now to take advantage of special first-year card fee discounts.
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