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Best Westpac Credit Cards

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17 listings

Westpac Low Rate

Low Rate Credit Cards and Balance Transfer Credit CardsWestpac Low Rate

3.6 from 59 reviews
Purchase Rate13.74% p.a.
Annual Fee$59 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • 0% p.a on Balance Transfers for 16 months & No Balance Transfer Fee



  • Low $59 Annual Fee & Low Interest Rate of 13.74% p.a. on purchases

  • One additional cardholder at no extra cost

  • 3% Foreign Transaction Fee

  • Transparency
    4.1 (39)
  • Rewards
    3.4 (21)
  • Online Experience
    4.3 (36)
  • Customer Service
    4.2 (40)
  • Rates and Fees
    3.8 (41)
  • Application Process
    4.2 (37)
  • Minimum Credit Limit $500
  • Maximum Credit Limit $25,000
  • Minimum Income $15,000
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Altitude Black

Rewards Credit CardsWestpac Altitude Black · includes 6 listings

3.0 from 73 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$199 p.a., $250 p.a. and $300 p.a.
Interest Free Period At least 44 days

Sign-Up Bonus Points20,000 to 100,000

  • Pros & Cons
  • Review Summary
  • Specifications

  • Uncapped points earning



  • Lounge passes and travel insurance included

  • Annual fee is not inclusive of Velocity or QFF membership fee

  • $75,000 minimum income required

  • Transparency
    3.9 (40)
  • Rewards
    4.0 (41)
  • Online Experience
    3.7 (42)
  • Customer Service
    3.8 (43)
  • Rates and Fees
    3.0 (43)
  • Application Process
    3.7 (39)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000 to $15,000
  • Maximum Credit Limit $75,000
  • Minimum Income $75,000
  • Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.75 to 3 points per $1
  • Contactless PaymentsApple Pay, Fitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Reduced First Year Annual Fee $250
Westpac Altitude Platinum

Rewards Credit CardsWestpac Altitude Platinum · includes 8 listings

3.3 from 41 reviews
Purchase Rate20.24 to 20.49% p.a.
Annual Fee$49 p.a., $150 p.a. and $200 p.a.
Interest Free Period At least 44 days

Sign-Up Bonus Points15,000 to 80,000

  • Pros & Cons
  • Review Summary
  • Specifications

  • Receive 60,000 Bonus Points if you apply by 15 October 2022 and spend $3,000 on eligible purchases in the first 90 days from card approval



  • Uncapped points earn rate

  • Complimentary Insurance covers, including Overseas Travel, Purchase Security and Transit Accident Insurance

  • $150 Annual Fee (additional $50 if you choose Velocity or Qantas)

  • 3% Foreign Transaction Fee

  • Transparency
    3.9 (19)
  • Rewards
    3.8 (16)
  • Online Experience
    3.6 (19)
  • Customer Service
    3.9 (18)
  • Rates and Fees
    3.2 (20)
  • Application Process
    4.1 (18)
  • BenefitsComplimentary Travel Insurance and Sign-Up Bonus Points Offer
  • Minimum Credit Limit $3,000 to $6,000
  • Rewards ProgramQantas Frequent Flyer, Velocity Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 0.5 to 2 points per $1
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Lite

Low Rate Credit CardsWestpac Lite

5.0 from 1 review
Purchase Rate9.90% p.a.
Annual Fee$108 p.a.
Interest Free Period 45 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • Variable Purchase Rate of 9.90% p.a.

  • No Foreign Transaction Fees

  • Accessible Minimum Credit Limit of $500

  • One Additional Cardholder at no extra cost

  • $9 Monthly Card Fee (equivalent to $108 each year)

  • No attached rewards program

  • Maximum Credit Limit of $4,000 may be too low for you

  • Transparency
    5.0 (1)
  • Rewards
    3.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    5.0 (1)
  • Rates and Fees
    5.0 (1)
  • Application Process
    5.0 (1)
  • BenefitsNo Foreign Transaction Fee
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Low Fee Platinum

Credit CardsWestpac Low Fee Platinum

5.0 from 1 review
Purchase Rate20.09% p.a.
Annual Fee$90 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • $0 First Year Annual Card Fee plus $0 Annual Fee in subsequent years when you spend $10,000 or more each year

  • 0% p.a. on purchases for up to 9 months from card approval if you apply by 15 October 2022

  • Transit Accident Insurance and Overseas Travel Insurance Cover

  • Purchase Security Insurance and Extended Warranty Insurance

  • $90 Annual Fee after your first year if you don't spend the required $10,000 each year

  • 3% Foreign Transaction Fee

  • Transparency
    4.0 (1)
  • Rewards
    3.0 (1)
  • Online Experience
    5.0 (1)
  • Customer Service
    4.0 (1)
  • Rates and Fees
    5.0 (1)
  • Application Process
    4.0 (1)
  • BenefitsComplimentary Travel Insurance and Reduced First Year Annual Fee
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Introductory Rate 0% p.a. on purchases for up to 9 months from card approval
  • Reduced First Year Annual Fee $0
Westpac Low Fee

Credit CardsWestpac Low Fee

3.3 from 3 reviews
Purchase Rate20.09% p.a.
Annual Fee$30 p.a.
Interest Free Period 55 days
  • Pros & Cons
  • Review Summary
  • Specifications

  • $0 Annual Card Fee in the first year plus $0 Annual Fee in subsequent years if you spend $5,000 each year

  • Up to 55 days interest free on purchases

  • 3% Foreign Transaction Fee

  • Transparency
    4.0 (3)
  • Rewards
    5.0 (1)
  • Online Experience
    4.3 (3)
  • Customer Service
    4.0 (3)
  • Rates and Fees
    2.7 (3)
  • Application Process
    4.0 (3)
  • BenefitsReduced First Year Annual Fee
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
Westpac Altitude Business Gold

Frequent Flyer & Travel Credit Cards, Balance Transfer Credit Cards and Rewards Credit CardsWestpac Altitude Business Gold

3.0 from 7 reviews
Purchase Rate20.24% p.a.
Annual Fee$150 p.a.
Interest Free Period 55 days

Sign-Up Bonus Points60,000

  • Pros & Cons
  • Specifications

  • 0% Annual Card Fee for the first year

  • Earn up to 1 Altitude Point per $1 spent on eligible business purchases

  • Complimentary Business Inconvenience Insurance and Unauthorised Transaction Insurance

  • Complimentary Travel and Purchase-related Insurances

  • $150 Annual Card Fee after the first year

  • 3% Foreign Transaction Fee

  • BenefitsComplimentary Travel Insurance, Reduced First Year Annual Fee and Sign-Up Bonus Points Offer
  • Minimum Income $30,000
  • Rewards ProgramQantas Frequent Flyer and Westpac Altitude Rewards
  • Points Earn Rate 1 points per $1
  • Contactless PaymentsFitbit Pay, Garmin Pay, Google Pay and Samsung Pay
  • Sign-Up Bonus Receive 60,000 bonus Altitude Points when you spend $3,000 on eligible purchases within 90 days of card approval.
  • Reduced First Year Annual Fee $0