The first bank established in Australia, Westpac began as the Bank of New South Wales in 1817. Over the next 100 years Bank of New South Wales branches were opened in almost all states in Australia. In 1982 the BNSW merged with the Commercial Bank of Australia to form Westpac Banking Corporation. Westpac now has the largest branch network in Australia with over 1200 branches and around 10 million customers. More than 550,000 people and institutions are Westpac shareholders.
Westpac places great emphasis on corporate social responsibility and is considered one of the world’s most socially responsible banks. From 2004 - 2007 Westpac was named the sustainability leader in the Dow Jones Sustainability Index.
As a market leader, Westpac offers a comprehensive range of credit cards to personal, business and corporate consumers. Westpac offers over 15 different credit cards ranging from $0 annual fee cards, low interest rate cards, balance transfer cards, rewards cards and gold and platinum cards.
- Click on table items to expand and learn more
- Select credit cards to add to your shortlist to see more in-depth comparison. Maximum of 4 cards at a time.
Credit Card |
Interest Rate |
Balance Transfer Rate |
Interest Free Days (up to) |
Annual Fee |
Rewards |
|
|
Westpac 55 Day Gold
|
19.34% p.a.
|
3.99% p.a.
6 months
|
0% 55 days
|
$0 in first year, $90 p.a. standard.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay no annual fee for the first year
- Free overseas travel insurance
- Free purchase and extended warranty insurance
- Balance transfer only available to new customers and no balance transfers between Westpac
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 19.34% on any purchases you make.
This credit card has an annual fee of $0 in first year, $90 p.a. standard.
You do not receive rewards on this card.
|
|
Westpac 55 Day Platinum
|
19.34% p.a.
|
3.99% p.a.
6 months
|
0% 55 days
|
$0 in first year, $130 p.a. standard.
|
No rewards
|
|
- 24/7 access to the Personal Concierge Service
- Enjoy all the benefits of this card and pay no annual fee for the first year
- Comprehensive range of insurance policies
- Balance transfer only available to new customers and no balance transfers between Westpac
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 19.34% on any purchases you make.
This credit card has an annual fee of $0 in first year, $130 p.a. standard.
You do not receive rewards on this card.
|
|
Westpac 55 Day
|
19.34% p.a.
|
3.99% p.a.
6 months
|
0% 55 days
|
$0 in first year, $30 p.a. standard.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay no annual fee for the first year
- Balance transfer only available to new customers and no balance transfers between Westpac
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 19.34%. Cash advances have an annual interest rate of 21.24%.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.34% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 19.34% on any purchases you make.
This credit card has an annual fee of $0 in first year, $30 p.a. standard.
You do not receive rewards on this card.
|
|
Westpac Altitude
|
19.64% p.a.
|
3.99% p.a.
6 months
|
N/A
|
$100 p.a.
|
Travel, Shopping
|
|
- Enrollment to the Altitude reward program
- No points capping and no points expiry
- Balance transfer only available to new customers and no balance transfers between Westpac
You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance.
There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate.
This credit card has an annual fee of $100 p.a.
You can earn up to 2 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 5,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.
|
|
Westpac Altitude Gold
|
19.64% p.a.
|
3.99% p.a.
6 months
|
N/A
|
$150 p.a.
|
Travel, Shopping
|
|
- Receive 10, bonus Altitude points when you first use either card for a purchase
- Comprehensive range of insurance policies
- Balance transfer only available to new customers and no balance transfers between Westpac
You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance.
There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate.
This credit card has an annual fee of $150 p.a.
You can earn up to 2 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 10,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.
|
|
Westpac Altitude Platinum
|
19.64% p.a.
|
3.99% p.a.
6 months
|
N/A
|
$295 p.a.
|
Travel, Shopping
|
|
- 24/7 access to the Personal Concierge Service
- Receive 15, bonus Altitude points when you first use either card for a purchase
- Comprehensive range of insurance policies
- Balance transfer only available to new customers and no balance transfers between Westpac
You will be charged an annual interest rate of 19.64% on all purchases and 21.24% on all cash advances.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.64% on the transferred balance.
There is no introductory purchases offer on this product and any purchases will incur 19.64% interest rate.
This credit card has an annual fee of $295 p.a.
You can earn up to 3 Altitude points for every dollar you spend and your points do not expire or capped as long as your card stays active. Receive 15,000 bonus Altitude points on your first purchase. You can redeem points for travel services and shopping offers.
|
|
Westpac Low Rate
|
13.24% p.a.
|
3.99% p.a.
6 months
|
0% 55 days
|
$45 p.a.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay a low annual fee of $45
- Additional card protection with Westpac SecureCard
- Balance transfer only available to new customers and no balance transfers between Westpac
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 13.24%. Cash advances have an annual interest rate of 21.24%.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 13.24% on the transferred balance.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 13.24% on any purchases you make.
This credit card has an annual fee of $45 p.a.
You do not receive rewards on this card.
|
|
Westpac No Annual Fee
|
19.74% p.a.
|
3.99% p.a.
6 months
|
N/A
|
$0 p.a.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay $0 annual fee
- Additional card protection with Westpac SecureCard
- Balance transfer only available to new customers and no balance transfers between Westpac
You will be charged an annual interest rate of 19.74% on all purchases and 21.24% on all cash advances.
Enjoy an interest rate (per annum) of 3.99% on balance transfers for up to the first 6 months. Once the 3.99% period ends you will be charged an annual interest rate of 19.74% on the transferred balance.
There is no introductory purchases offer on this product and any purchases will incur 19.74% interest rate.
This credit card has an annual fee of $0 p.a.
You do not receive rewards on this card.
|
|
Westpac Singapore Airlines Gold Card
|
19.24% p.a.
|
0.99% p.a.
6 months
|
N/A
|
$75 for the 12 months, $125 p.a. standard.
|
Travel
|
|
- Receive 5, KrisFlyer miles after your first purchase
- Comprehensive range of insurance policies
- Balance transfer only available to new customers and no balance transfers between Westpac
You will be charged an annual interest rate of 19.24% on all purchases and 20.49% on all cash advances.
Enjoy an interest rate (per annum) of 0.99% on balance transfers for up to the first 6 months. Once the 0.99% period ends you will be charged an annual interest rate of 19.24% on the transferred balance.
There is no introductory purchases offer on this product and any purchases will incur 19.24% interest rate.
This credit card has an annual fee of $75 for the 12 months, $125 p.a. standard.
You can earn up to 1 KrisFlyer miles for every dollar you spend and you receive 5,000 bonus KrisFlyer miles on your first purchase. You can redeem points for travel services and shopping offers.
|
|
Westpac Singapore Airlines Platinum Card
|
19.24% p.a.
|
0.99% p.a.
6 months
|
N/A
|
$125 for the 12 months, $250 p.a. standard.
|
Travel
|
|
- Receive 10, KrisFlyer miles after your first purchase
- Comprehensive range of insurance policies
- Balance transfer only available to new customers and no balance transfers between Westpac
You will be charged an annual interest rate of 19.24% on all purchases and 20.49% on all cash advances.
Enjoy an interest rate (per annum) of 0.99% on balance transfers for up to the first 6 months. Once the 0.99% period ends you will be charged an annual interest rate of 19.24% on the transferred balance.
There is no introductory purchases offer on this product and any purchases will incur 19.24% interest rate.
This credit card has an annual fee of $125 for the 12 months, $250 p.a. standard.
You can earn up to 1.5 KrisFlyer miles for every dollar you spend and you receive 10,000 bonus KrisFlyer miles on your first purchase. You can redeem points for travel services and shopping offers.
|
|
Westpac Student Visa Card
|
20.2% p.a.
|
N/A
|
0% 55 days
|
$0 in first year, $30 p.a. standard.
|
No rewards
|
|
- Enjoy all the benefits of this card and pay no annual fee for the first year
- Low requirements for card approval
- No reward scheme available
Up to 55 interest free from the date the purchase is made, after this period you will be charged an annual interest rate of 20.2%. Cash advances have an annual interest rate of 20.2%.
There is no introductory balance transfer offer on this card and any balance transfers will incur an interest rate (per annum) of 20.2%.
You will not be charged interest on any purchases for the first 55. Once the 0% period ends you will be charged an interest rate (per annum) of 20.2% on any purchases you make.
This credit card has an annual fee of $0 in first year, $30 p.a. standard.
You do not receive rewards on this card.
|
Latest News
By Credit Card Researcher, 6 September 2010
Check out the latest interest rates, cash advance rates, annual fees and balance transfer details as 6 September 2010, read more