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Westpac credit cards

Westpac is not only the oldest bank in Australia, but it's also the country’s oldest company. It was first established in 1817 as the Bank of New South Wales. Following a series of mergers and acquisitions, in 1982 it changed names to Westpac Banking Corporation.

It’s now one of the big four banks in Australia, with almost 14 million customers, 1400+ branches, 39,000 staff and close to 4000 ATMs.

Westpac has an extensive range of credit cards, as well as home loans, personal loans, card loans and much more. Its subsidiaries include St. George Bank, Bank of Melbourne and BankSA. 

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Westpac


  • Offer VISA, Mastercard and American Express credit cards
  • 0% balance transfer options
  • Some credit cards offer free supplementary cards


  • Interest rates may be high
  • Some rewards cards have capped points
  • Annual fees may be high

Westpac Credit Cards

About Westpac credit cards

As one of Australia’s biggest banks, it’s no surprise Westpac offers a huge range of credit cards:

  • Low-rate credit cards
  • Low annual fee credit cards
  • Rewards credit cards
  • Balance transfer credit cards
  • Frequent Flyer credit cards
  • Gold credit cards
  • Platinum credit cards
  • American Express credit cards
  • Visa credit cards
  • Mastercard credit cards

Credit cards offered by Westpac range from simple no-frills options all the way through to high end cards that offer big rewards and perks.

The fees and interest rates vary significantly, with Westpac’s basic credit cards offering lower purchase rates and fees than its higher end rewards cards.

Westpac also offers a Mastercard or Visa bundled with an American Express credit card, so points and rewards can be earned on both cards. This gives customers the ability to use their Westpac Mastercard or Visa when retailers either don’t service American Express or add a surcharge.

Westpac credit card review

If it’s choice you’re after, then Westpac certainly delivers. Its extensive range of credit cards could suit almost every type of customer.

However, Westpac’s rates and fees are not the lowest on the market. Westpac’s most basic credit cards offer very low to moderate interest rates, and annual fees that range from moderately low to moderately high.

Keep in mind that the long history of Westpac's operation in Australia lends a sense of stability and security to it's customers, meaning some may not mind paying these interest rates for the benefit of having a Westpac credit card. 

Some Westpac credit cards also come with 0 per cent balance transfer deals, with various conditions attached.

The more lucrative credit cards have significant perks like free travel insurance, concierge and Qantas airport lounge access. The rewards vary between the cards but include gift vouchers, Qantas frequent flyer points and cashback. However, these top-end-of-town credit cards also come with high purchase interest rates and fees.

Interest free days vary between Westpac credit cards, but are generally moderate. Late payment fees tend to be moderate.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.