Advertisement

Westpac
Credit Cards Review

Compare Westpac Credit Cards Compare Westpac credit cards – read our review and compare the features and benefits available from Westpac. We can help you to make an informed decision and find a card that suits you.

Westpac offers a comprehensive range of credit cards, each designed to accommodate a different set of credit needs. Across its range, Westpac credit cards cover every feature allowing you to choose a card that works for you.

If you like to travel, consider Westpac's range of earth credit cards. Westpac credit cards feature all the important aspects of other cards combined with a reward scheme allowing you to earn Qantas Frequent Flyer points as you spend, which are automatically added to your account each month.

The Earth Credit Card range has been awarded a Cannex 5 star rating based on a review of 106 rewards schemes and more than 184 credit cards across Australia.

Westpac credit cards come with up to 55 interest free days on purchases (where applicable), which allows you to spread the costs of purchases over a manageable period. This allows you to benefit from interest free borrowing permitting the balance is paid off in full each month before the interest free period is reached. If you require additional time to make the payment in full, the typical interest rate will be applied to your balance.

Whether you're looking for a low rate credit card that comes with a low annual fee, extremely attractive standard APR charges on purchases and a low introductory balance transfer rate; or you would rather pay the extra on your annual fee to open a whole variety of benefits and features, such as Quantas frequent flyer points and low balance transfer rates, Westpac credit cards have a great credit solution to match.

Westpac Altitude Platinum

Advice

Get 60,000 bonus points when you spend $3,000 on eligible purchases within 90 days of card approval! Choose either Qantas or Altitude points.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 20.24% p.a.
Purchases: 20.24% p.a.
Cash Advance: 20.74% p.a.
Annual Fee: $150
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Approval Criteria
  • You are aged 18 years or over
  • You are a permanent resident or citizen of Australia (Temporary Visa holders are not eligible to apply)
  • You earn a minimum income of $65,000p.a

Credit Card Benefits

  • 6 Months Travel Insurance
  • 4 Months Purchase Security Insurance
  • 24 Months Extended Warranty Insurance

Credit Card Rewards

  • Choose Altitude or Qantas:
  • $1 = 1 Altitude Points with Mastercard
  • $1 = 2 Altitude Points with Amex
  • $1 = 0.5 Qantas Points with Mastercard
  • $1 = 1 Qantas Points with Amex

Westpac Low Rate Card

Advice

Get 0% on Balance Transfers for 24 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 19.49%. Annual Fee of only $59.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 24 months
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 19.49% p.a.
Annual Fee: $59
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia
  • You have an Income of over $15,000.pa

Westpac 55 Day Classic Card

Advice

Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%. $0 Annual Fee for the First year and subsequent years when you spend a minimum of $5000.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 months
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.84% p.a.
Purchases: 19.84% p.a.
Cash Advance: 21.29% p.a.
Annual Fee: 1st Yr Free, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Westpac 55 Day Platinum Card

Advice

Get 0% on Balance Transfers for 20 months on balance transfers requested at card application (2% balance transfer fee applies). Rate then reverts to applicable variable cash advance rate of 21.29%. $0 Annual Fee for the First year and subsequent years when you spend a minimum of $10000.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 months
Balance Transfer Fee: 2%
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.84% p.a.
Purchases: 19.84% p.a.
Cash Advance: 21.29% p.a.
Annual Fee: 1st Yr Free, then $30
Standard Features
Interest Free Days: Up to 55 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of Australia & have an Income of over $15,000.pa

Westpac News