Westpac Credit Cards

Choose a Westpac card which suits your lifestyle whether you are a student, a shopaholic, a car nut or a jetsetter. There is a Westpac credit card deal for you, all you have to do is decide which one to apply for now.

Best Westpac Credit Card

The Westpac 55 Day Credit Card gives you two excellent introductory offers, you will get a great rate on purcgases on purchases as well as a low annual fee.

$0 annual fee for the first year ($30 thereafter) annual fee
0% p.a. for 5 months (reverts to 19.59% p.a.) on purchases
3.99% p.a. for 6 months on balance transfers
Cash Advance Rate of 21.49% p.a.
55 days interest free

Read the Westpac 55 Day Credit Card terms and conditions.

Compare Best Westpac Credit Cards

2.9% p.a. for 12 months

	Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
Westpac 55 Day Credit Card	0% for 5 months (reverts to 19.59% )	3.99% for 6 months	$0 annual fee for the first year ($30 thereafter)	21.49%
Westpac Low Rate Card	1.9% for 9 months (reverts to 13.49% )	3.99% for 6 months	$0 annual fee for the first year ($45 thereafter)	21.49%
Westpac Earth Classic	19.99%	0.99% for 6 months	$75	21.49%
Westpac Earth Gold Card	19.99%	0.99% for 6 months	$125	21.49%
Westpac Earth Platinum Cards	19.99%	0.99% for 6 months	$250	21.49%
Westpac 55 Day Gold Card	19.59%	3.99% for 6 months	$0 Annual Fee for the first year ($90 thereafter)	21.49%
Westpac 55 Day Platinum Card	1.9% for 12 months (reverts to 19.59% )	3.99% for 6 months	$0 annual fee for the first year ($130 thereafter)	21.49%
Westpac Altitude Card	19.99%	3.99% for 6 months	$100	21.59%
Westpac Altitude Gold Cards	19.99%	3.99% for 6 months	$150	21.59%
Westpac Altitude Platinum Cards	19.99%	3.99% for 6 months	$295	21.59%
Westpac Singapore Airlines Gold	19.49%	0.99% for 6 months	$125	20.74%
Westpac Singapore Airlines Platinum	19.49%	0.99% for 6 months	$250	20.74%

As you would expect from one of the Giant Two banks in the Big Four, Westpac has a wide range of credit card deals on offer, but just because Westpac is a big bank, it doesn’t mean their credit cards are the best for you, and you still need to consider all of their features, and their suitability, before you apply.

Types of Westpac Credit Card Deals

Westpac offers a full range of credit card deals, so you can find a card which will help you save or one which rewards you when you spend, a card which can take you overseas or one which can take you shopping. Consider the types of credit card deals on offer from Westpac, to see which one you are best suited to:

A $0 annual fee credit card. Westpac offers to waive the annual fee for the first year on their student credit card, their 55 Day series of credit cards and their Holden GM MasterCard, the annual fee will also be reduced in the first year on their Earth Platinum card. Plus, there is a dedicated no annual fee credit card available too so you can choose whether you want a discount in the first year to enjoy the extra features of a credit card, or if you want an ongoing $0 annual fee.
Low interest rate credit card. The Westpac low interest rate credit card deal also includes 55 days interest free, which you will not find on all low rate cards. This means you can avoid paying interest as long as you pay your purchases off within the interest free period, or you may be suited to a low interest rate card if you typically rollover your balance each month.
Balance transfer credit card deal. If you need to get control over an existing balance, Westpac offers six and nine month balance transfer deals on almost all of their credit cards. This means you can take the time you need to repay your balance, and once you have, you have the perfect card to use and spend the way you prefer.
Rewards credit card. A rewards credit card means that you can earn points to be redeemed for rewards every time you use your card, so even paying the power bill or buying the groceries can be fun, because it can be getting you closer to the rewards of your choice. With Westpac credit cards you can also choose the rewards program because you can be a part of the Earth program, the Altitude program, or the Holden GM program where your points go towards securing you a discount of your next Holden GM vehicle.
Gold and platinum cards. If you’re looking for more rewards points, more services and more free extras then compare the gold or platinum credit card deal on offer. With a Westpac gold or platinum card you can enjoy more rewards points per dollar, overseas and domestic travel insurance, plus exclusive access to special events and discounts at partnered venues and retailers.

Benefits of Westpac Credit Cards

To help you decide whether the Westpac credit card deals are really right for you, consider how they would fit into your lifestyle, will they make your life easier, will they be there when you need them? Consider whether you could benefit from:

Your choice of rewards programs. Not only does each rewards program allow you a choice of different travel and merchandise rewards, but you can choose which rewards card and program would best suit you. do you want to be a part of the Earth or Altitude rewards program and earn points towards merchandise, travel, gift vouchers and discounts, or are you more of a car nut and want to put your spending to good use in earning you a discount on your next car? It’s your choice.
A companion card. An American express companion card can be linked to a Westpac credit card, but you will maintain one account, one balance and one monthly payment. What you will gain is a greater points earning capacity with your American Express card, and maintained points earning where AmEx is not accepted, with your companion Visa or MasterCard.

For more information about the features of a Westpac credit card which could benefit you, view our comparison tables. You can then follow a direct link from your chosen credit card deal, directly to an online application form so you can start using the Westpac credit card which is best for you, sooner.

Singapore Airlines Westpac Gold Card

The complimentary card system may be new to you, but it is a great way to earn rewards. With a Singapore Airlines Westpac Gold Card you actually get two cards that are linked to one rewards account, one statement, and one annual fee. The two cards are an American Express and a Visa so you will always have an accepted form of rewards earning payment in your wallet.
Singapore Airlines Westpac Platinum Card

A Singapore Airlines Westpac Platinum Card is not one card but two, linked cards. These cards earn points together, on one account so you have the ability to earn more points and to earn them on every purchase. Cardholders also get low interest rates and an excellent balance transfer deal.
Westpac Earth Platinum Card

The Westpac Earth Platinum card can allow you to live a platinum lifestyle without the platinum price tag with a comparably low interest rate and annual fee, an online application can be the most rewarding deal you make.
Westpac Earth Gold Card

The Westpac Earth Gold card and companion card give you every opportunity to earn rewards points, while saving on fees and interest charges, so find out whether this Westpac gold card deal is the best one for you.
Westpac Earth Card

The Westpac Earth Card is a credit card that deliver a Qantas Frequent Flyer rewards program via what’s known as a companion credit card system. This works by providing the customer with two credit cards on the one account, with one annual fee, one credit limit, and one monthly statement.
Westpac Altitude Platinum Card

The Westpac Altitude Platinum card is packed with rewards, service and features exclusive to platinum card holders, without the exclusive fees or restricting conditions. Find out more about the rewards card awarded as the best deal in Australia five years running, and start earning easy and fun rewards now.
Westpac Altitude Gold Card

The Westpac Altitude Gold credit card rewards you every time you use your card, and just for signing up. you can also earn bonus points and access exclusive gold card holder benefits with the Westpac Altitude Gold card deal.
Westpac Altitude Card

Choose the Westpac Altitude credit card if you want to enjoy your choice of American Express, MasterCard or Visa credit cards with one low annual fee, one monthly payment to make and a host of rewards deals which can see you jetting off, or expanding your wardrobe.
Westpac 55 Day Platinum Card

The best platinum credit card can protect you, reward you and save you money, so make sure you consider whether the Westpac 55 Day Platinum credit card could be the best deal for you, before you go without these benefits for another day.
Westpac 55 Day Gold Card

The Westpac 55 Day Gold credit card does not have the high fees and even higher interest rates you will find with most gold cards, plus this Westpac gold card gives you the chance to avoid credit card interest and charges all together just for using your card for everyday purchases. If this sounds like the best credit card deal for your needs, find out how you can apply today and be saving yourself from more bad debt.
Westpac 55 Day Card

Sometimes the best things in life are simple…and free, and both are true of the current deal available on the Westpac 55 Day credit card. You will be getting some of the best credit card features for free to help you manage your spending and stop your credit card becoming a bad debt.
Westpac Low Rate Card

Westpac Low Rate Card is a no frills card loaded with features to ensure high customer satisfaction. You can also choose between Visa or Mastercard.

Editors Choice: Featured Credit Card Deals

	Interest Rate (p.a.)	Balance Transfer Rate (p.a.)	Annual fee	Cash Advance Rate (p.a.)
Citibank Clear Platinum Card	11.99%	0% for 12 months with 3% handling fee	$99	21.74%
HSBC Credit Card	17.99%	0% for 8 months with 2% handling fee	$0	21.99%
ANZ Platinum Credit Card	0% for 6 months (reverts to 19.39% )	0% for 6 months	$0 annual fee for the first year ($87 thereafter)	20.99%
Bankwest Breeze MasterCard	0% for 6 months (reverts to 10.99% )	4.99% for 9 months	$49	21.99%

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Best Credit Cards is a financial comparison website, it has no affiliation with Australian Banks. We make an effort to keep up to date with all materials posted on this website, however there can be a delay between us and the banks. Best Credit Cards only represents a limited group of credit cards that are currently accessible by the Australian Market. The term 'best' is by no means a representation of the best card in the australian credit card market. It may not represent the best choice for your individual circumstances. It is always advised that you seek consultation from your own financial advisor before making a decision.

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