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 pay 0% p.a. for 5 months on purchases as well as paying $0 for the first year ($30 after) annual fee.
- Purchase rate of 0% p.a. for 5 months (reverts to 19.34%)
- 1.99% p.a. for 9 months on balance transfers
- $0 for the first year annual fee ($30 after)
- 19.34% p.a. on purchases
- Up to 55 days interest free
Click here to read the Westpac 55 Day Card terms and conditions
Compare Best Westpac 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) | |
|---|---|---|---|---|---|---|---|
|
Good balance transfer offer or 1.99% p.a. for 9 months, choice between either Visa or MasterCard |
13.24% | 21.24% | 1.99% for 9 months | $45 | 55 | |
|
Receive both an American Express & a Visa Card, access to Qantas frequent flyer program. |
19.64% | 21.24% | 0.99% for 6 months | $75 | 45 | |
|
Same features as the standard, however receive complimentary overseas travel insurance |
19.64% | 21.24% | 0.99% for 6 months | $125 | 45 | |
|
Similar to gold card but receive extended product warranty, complimentary access to Qantas Frequent Flyer |
19.64% | 21.24% | 0.99% for 6 months | $250 | 45 | |
|
No annual fee for the first year, choice between Visa and MasterCard |
0% for 5 months (reverts to 19.34%) | 21.24% | 1.99% for 9 months | $0 for first year ($30 after) | 55 | |
|
Annual fee waived for first year, complimentary overseas travel insurance cover |
19.39% | 21.24% | 1.99% for 9 months | $0 for first year ($90 after) | 55 | |
|
Similar to gold card however receive 24/7 platinum concierge service as well as access to Visa Entertainment |
19.34% | 21.24% | 1.99% for 9 months | $0 for first year ($130 after) | 55 | |
|
Earn 5000 bonus Altitude points when you first make a purchase on either card |
19.64% | 21.24% | 1.99% for 9 months | $100 | 45 | |
|
Receive 10000 bonus Altitude points when you make a purchase |
19.64% | 21.24% | 1.99% for 9 months | $150 | 45 | |
|
Receive 15000 bonus Altitude points as well as receive 3 Altitude points for every $1 spend on you're American Express card |
19.64% | 21.24% | 1.99% for 9 months | $295 | 45 | |
|
Reduced first year annual fee, earn extra Krisflyer reward points with the American Express card. Comes with a good balance transfer offer too |
19.24% | 20.49% | 0.99% for 6 months | $75 for first year ($125 after) | 45 | |
|
Get 50% off the first year annual fee. Earn more Krisflyer points than then gold card, also have access to platinum benefits such as 24/7 concierge service |
19.24% | 20.49% | 0.99% for 6 months | $125 for first year ($250 after) | 45 |
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.
Editors Choice: Best Credit Card Deals
| 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) | |
|---|---|---|---|---|---|---|---|
|
An excellent balance transfer offer of 1.9% p.a. for 12 months and a standard purchase rate of 12.24% |
12.24% | 17.99% | 1.9% for 12 months | $39 | 0 | |
|
Excellent credit card, with a 0% p.a. for 6 months balance transfer offer, and pay $0 for the life of the card |
16.99% | 20.75% | 0% for 6 months | $0 | 55 | |
|
Enjoy 1.9% p.a. for 12 months on balance transfers as well as earn 3 Skywards Miles for every dollar spent, plus all the benefits & privileges of a platinum card. |
20.74% | 20.74% | 1.9% for 12 months | $229 | 55 |