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 Earth

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Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 18.74% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $75
Standard Features
Interest Free Days: Up to 45 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

Credit Card Rewards

  • Get Free Qantas Frequent Flyer membership for a limited time (worth $82.50 per year).
  • Pay a reduced rate of 5.99% pa on certain Qantas products and services (providing you notify Westpac after purchase)
  • Mastercard: $1 = 0.5 Qantas point
  • Amex Card: $1 = 1 Qantas points

Westpac Earth Gold

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Advice

Complimentary purchase security, extended warranty, and Qantas Frequent Flyer membership for limited period.

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $125
Standard Features
Interest Free Days: Up to 45 days
On-Line Banking: No
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

Credit Card Benefits

  • Up to 3 months complimentary Overseas Travel Insurance cover for you, your spouse and certain dependent children where you have purchased the return overseas travel tickets using your Earth Gold card in accordance with the policy prior to leaving Australia
  • Complimentary Purchase Security Insurance cover – covers against loss, theft or accidental damage for 3 months on selected new personal goods purchased on your Earth Gold card in accordance with the policy
  • Complimentary Extended Warranty Insurance cover – receive up to 12 months warranty on top of the Australian manufacturer’s warranty when you purchase selected new personal goods using your Earth Gold card in accordance with the policy

Credit Card Rewards

  • Get Free Qantas Frequent Flyer membership, saving you $82.50 on the joining fee.
  • Mastercard: $1 = 0.5 Qantas point
  • Amex Card: $1 = 1 Qantas point

Westpac Altitude

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Advice

Receive 5,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $100
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 $15,000p.a

Credit Card Rewards

  • $1 = 1 Altitude Points with Mastercard
  • $1 = 2 Altitude Points with Amex
  • *Subject to terms and conditions*

Westpac Altitude Gold

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Advice

Receive 10,000 bonus Altitude points when you first use either card for a purchase!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% 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 $50,000p.a

Credit Card Benefits

  • 3 Months Travel Insurance
  • 3 Months Purchase Security Insurance
  • 12 Months Extended Warranty Insurance
  • *Subject to terms and conditions*

Credit Card Rewards

  • $1 = 1 Altitude Points with Amex
  • $1 = 1 Altitude Points with Mastercard

Westpac Altitude Platinum

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Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.59% p.a.
Annual Fee: $295
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

  • Get 15,000 bonus Altitude rewards points when your card is first used
  • $1 = 1 Altitude Points with Mastercard
  • $1 = 3 Altitude Points with Amex

Westpac Earth Platinum

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Advice

Get complimentary international travel insurance, purchase cover and extended warranty insurance

Introductory Offer
Balance Transfer Rate: 0.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.99% p.a.
Purchases: 19.99% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $250
Standard Features
Interest Free Days: Up to 45 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

Credit Card Benefits

  • Platinum Concierge service – it’s like a 24/7 personal assistant for booking tickets, hotels, car hire and more, available worldwide.
  • Complimentary Overseas Travel Insurance – enjoy travelling knowing you’re covered for trips of up to 6 months.
  • Complimentary Purchase Security Insurance cover – your card purchases have added protection from theft and loss for up to 4 months.
  • Extended Warranty Insurance cover – get an extension on manufacturers warranty for up to 24 months.
  • Complimentary Qantas Frequent Flyer membership worth $82.50.

Credit Card Rewards

  • Mastercard: $1 = 0.5 Qantas points
  • Amex Card: $1 = 1.5 Qantas points

Westpac Low Rate Card

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 6 months
Annual Rates
Balance Transfers: 13.49% p.a.
Purchases: 13.49% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: $45
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 Classic Card

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Advice

For your loyalty, every year you spend at least $10,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: 0% p.a. for 5 months
Annual Rates
Balance Transfers: 19.59% p.a.
Purchases: 19.59% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, 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 Gold Card

Apply Now >

Advice

For your loyalty, every year you spend at least $15,000 p.a. Westpac will waive the annual fee the following year!!

Introductory Offer
Balance Transfer Rate: 3.99% p.a. for 6 months
Balance Transfer Fee: N/A
Purchase Rate: N/A
Annual Rates
Balance Transfers: 19.59% p.a.
Purchases: 19.59% p.a.
Cash Advance: 21.49% p.a.
Annual Fee: No Annual Fee in 1st Yr, then $90 if spend below $15k
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

Credit Card Benefits

  • Complimentary Overseas Travel Insurance – enjoy travelling knowing you’re covered for trips of up to 3 months.
  • Complimentary Purchase Security Insurance cover – your card purchases have added protection from theft and loss for 3 months.
  • Extended Warranty Insurance cover – get an extension on manufacturers warranty for up to 12 months

Westpac News

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