Westpac Credit Cards

Compare Westpac credit cards with top-rated Altitude reward points, low annual fee and interest rate offers, and bonus point deals on one easy page.

Checked by Kredmo team.

Updated on 20 Aug, 2026
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Rewards & Frequent Flyers

6 Credit Cards

Credit Card

  • Bonus Offer
  • Points Per $
  • Annual Fee
  • Flyer Program
  • Net Rewards
Westpac Altitude Rewards Black
Westpac Altitude Rewards Black
  • Bonus Offer 200,000
    Altitude Rewards Points
  • Points Per $ 0.5 - 3
  • Annual Fee $295
  • Flyer Program Velocity
  • Net Rewards
    $-
Go To Site
Westpac Altitude Rewards Black
  • Priority Pass Lounge Access
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Priority Pass airport lounge entries each year to over 1,900+ lounges worldwide
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $295
Minimum Credit Limit: $6,000
Annual Fee Offer: $200 in 1st year or $99 for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Airport Lounge: 2 Priority Pass airport lounge entries each year to over 1,900+ lounges worldwide
Bonus Points Offer: 200,000 Altitude Rewards Points . 100,000 Altitude points when you spend $12,000 on eligible purchases within 12 months from approval. Then another 100,000 Altitude points when you spend $12,000 on eligible purchase in year 2. Offer excludes customers who hold/held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 3 Altitude Rewards points on international spend. 2 Altitude Rewards points on everyday purchases and 1 Altitude Rewards point on all others purchases, then after you reach $10,000 spend you'll earn 0.5 Altitude Rewards points per $1 spent in each statement period.
Point Earning Limit: Partially Capped
Flyer Points Conversion Rate: 1 Altitude Rewards point = 0.33 Velocity points.
Redeem Points: 11,300 Altitude points can get you a $50 gift card or 14,100 Altitude points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
Westpac Altitude Qantas Black
Westpac Altitude Qantas Black
  • Bonus Offer 150,000
    Qantas Points
  • Points Per $ 0.25 - 1.5
  • Annual Fee $370
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
Westpac Altitude Qantas Black
  • Qantas Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 Qantas Club complimentary invitations each year
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $370
Minimum Credit Limit: $6,000
Annual Fee Offer: $275 in 1st year for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Airport Lounge: 2 Qantas Club complimentary invitations each year
Bonus Points Offer: 150,000 Qantas Points . 90,000 Qantas points when you spend $6,000 on eligible purchases within 90 days from approval. Then another 6,000 Qantas points when you spend $6,000 on eligible purchase in year 2. Offer excludes customers who hold/held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 1.2 Qantas points on international spend. 0.8 Qantas points on everyday purchases and 0.5 Qantas points on all other purchases, then after you reach $10,000 spend you'll earn 0.25 Qantas points per $1 spent in each statement period. 1 bonus Qantas point or more with Qantas product, services or partners.
Point Earning Limit: Partially Capped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
Westpac Altitude Velocity Black
Westpac Altitude Velocity Black
  • Bonus Offer 150,000
    Velocity Points
  • Points Per $ 0.25 - 1.2
  • Annual Fee $370
  • Flyer Program Velocity
  • Net Rewards
    $-
Go To Site
Westpac Altitude Velocity Black
  • Virgin Lounge Access
  • Frequent Flyer Points
    Frequent Flyer Points
    Airport Lounge Access
    2 single-entry Virgin Australia Domestic Lounge passes each year
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Concierge Service
    Concierge Service
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $370
Minimum Credit Limit: $6,000
Annual Fee Offer: $275 in 1st year existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Concierge Service: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Airport Lounge: 2 single-entry Virgin Australia Domestic Lounge passes each year
Bonus Points Offer: 150,000 Velocity Points . 90,000 Velocity points when you spend $6,000 on eligible purchases within 90 days from approval. Then another 6,000 Velocity points when you spend $6,000 on eligible purchase in year 2. Offer excludes customers who hold/held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 1.2 Velocity points on international spend. 0.8 Velocity points on everyday purchases and 0.5 Velocity points on all other purchases, then after you reach $10,000 spend you'll earn 0.25 Velocity points per $1 spent in each statement period.
Point Earning Limit: Partially Capped
Redeem Points: 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,696 Velocity points can get you a $50 gift card.
Westpac Altitude Qantas Platinum
Westpac Altitude Qantas Platinum
  • Bonus Offer 100,000
    Qantas Points
  • Points Per $ 0.2 - 1.35
  • Annual Fee $250
  • Flyer Program Qantas
  • Net Rewards
    $-
Go To Site
Westpac Altitude Qantas Platinum
  • Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $250
Minimum Credit Limit: $3,000
Annual Fee Offer: $174 in 1st year for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Bonus Points Offer: 100,000 Qantas Points . 70,000 Qantas points when you spend $4,000 on eligible purchases within 90 days from approval. Then in your second year, earn another 30,000 Qantas points when you spend $4,000 within 90 days of your card opened date anniversary. Offer excludes customers who hold or have held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 0.75 Qantas points on international spend. 0.5 Qantas points on everyday purchases and 0.35 Qantas points on all other purchases, then after you reach $5,000 spend you'll earn 0.2 Qantas points per $1 spent in each statement period.Earn 1 bonus Qantas point or more with Qantas product, services or partners.
Point Earning Limit: Partially Capped
Redeem Points: 5,700 Qantas points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges. 10,030 Qantas points can get you a $50 gift card.
Westpac Altitude Rewards Platinum
Westpac Altitude Rewards Platinum
  • Bonus Offer 100,000
    Altitude Rewards Points
  • Points Per $ 0.5 - 2
  • Annual Fee $175
  • Flyer Program Velocity
  • Net Rewards
    $-
Go To Site
Westpac Altitude Rewards Platinum
  • $
    Cashback
    Cashback
    Frequent Flyer Points
    Frequent Flyer Points
    Travel Insurance
    International Travel Insurance
    Shopping Protection
    Purchase Protection
    Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $175
Minimum Credit Limit: $3,000
Annual Fee Offer: $99 in 1st year or $49 for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Purchase Protection: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Travel Insurance: International Travel Insurance
Bonus Points Offer: 100,000 Altitude Rewards Points . 75,000 Altitude points when you spend $3,000 on eligible purchases within 90 days from approval and 25,000 Altitude points if you keep your card open for more than 12 months. Offer excludes customers who hold or have held Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Points Per $1 Spend: 2 Altitude Rewards points on international spend. 1.25 Altitude Rewards points on everyday purchases and 1 Altitude Rewards point on all other purchases, then after you reach $5,000 spend you'll earn 0.5 Altitude Rewards Points per $1 spent in each statement period.
Point Earning Limit: Partially Capped
Flyer Points Conversion Rate: 1 Altitude Rewards point = 0.33 Velocity points.
Redeem Points: 11,300 Altitude points can get you a $50 gift card or 14,100 Altitude points for $50 cashback. 5,900 Velocity points can fly you from Sydney to Gold Coast (one way) plus taxes, fees and carrier charges.
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Low Rates / No Annual Fees

3 Credit Cards

Credit Card

  • Rate
  • Rate Offer
  • Annual Fee
  • BT Offer
  • Min Income
Westpac Lite
Westpac Lite
  • Rate 9.9%
  • Rate Offer -
  • Annual Fee $108
  • BT Offer -
  • Min Income $30,000
Go To Site
Westpac Lite
  • Top 5 Low Rate
  • No Foreign Transaction Fees
  • Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 9.9% p.a.
Maximum Credit Limit: $20,000
Annual Fee: $108
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 45 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Minimum Credit Limit: $1,000
Late Payment Fee: $0
No Foreign Transaction Fees: Yes
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Westpac Low Rate
Westpac Low Rate
  • Rate 13.74%
  • Rate Offer -
  • Annual Fee $84
  • BT Offer 0% for 20 months
  • Min Income $30,000
Go To Site
Westpac Low Rate
  • Top 3 Cashback Offers
  • $450 Cashback
  • Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 13.74% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $84
Minimum Credit Limit: $500
Annual Fee Offer: $0 in 1st year for existing Westpac customers
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
Balance Transfer Rate: 0% p.a. for 20 months
Max BT Amount: 80% of the credit limit
Balance Transfer Fee: 3%
Interest Free Days With BT: Yes
BT After Rate: 21.99% p.a.
BT After Rate: 21.99% p.a.
Westpac Low Fee
Westpac Low Fee
  • Rate 20.99%
  • Rate Offer -
  • Annual Fee $30
  • BT Offer -
  • Min Income $30,000
Go To Site
Westpac Low Fee
  • $240 Cashback
  • Mobile Pay
    Apple Pay, Fitpay, Google Pay, Samsung Pay
Purchase Interest Rate: 20.99% p.a.
Cash Advance Rate: 21.99% p.a.
Annual Fee: $30
Minimum Credit Limit: $500
Annual Fee Offer: $0 in 1st year. $0 after if spend $5,000 yearly
Additional Cardholders: 1 additional cardholder at no extra cost
Interest Free Days: 55 days
Minimum Repayment: Greater of $10 or 2% of the closing balance
Late Payment Fee: $15
Mobile Pay: Apple Pay, Fitpay, Google Pay, Samsung Pay
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Blog & Resources
Guide

Westpac Credit Cards Guide

How We Rank the Westpac Rewards Cards

At Kredmo, we use a data-driven Value Methodology to rank every card on this page:

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    Sign-Up Bonus Impact: We analyze the true value of 100k+ bonus point or cash-back offers after meeting minimum spend.
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    Points Weighted Earn Rate: We calculate the "dollar per points" value from from actual aveage Australian household spending splits (e.g., 35% Groceries, 15% Fuel, 20% Utilities) to show to best estimate what you could earn.
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    Capped and Uncapped Points: We calculate the earn rate caps or "Tiered Earn Rates" for cards with both spending amount maximums and point earning maximums.
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    Redeem Points Dollar Value: We calculate the dollar value from earned rewards points for reach rewards program for each redeem category cash back, gifts cards, domestic and international flights.
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    Cost Efficiency: We factor in the cost of the annual fee so to evaluate whether your rewards earned outweigh the annual fee or not to reveal the Year 1 Net Profit. Ensuring your rewards are an asset, not an expense.

How Kredmo Calculates Your Net Rewards $ Value

At Kredmo, we believe transparency is the key to choosing the right credit card. Our Net Rewards $ Value is a data-driven estimate of the net Rewards financial benefit you could receive during your first year of card membership.

  1. We use a specific three-step formula to convert complex bonus points or cashback offers into a clear dollar figure:

    1
    Sign-Up Bonus Valuation: We convert the headline bonus points (e.g., 100,000 points) into a dollar value based on a conservative redemption average of 0.5 to 1.0 cents per point. This represents the standard "floor value" for redemptions like digital gift cards and cashback in the Australian market.
  2. 2
    Annual Spend Projections: We calculate the points earned from your projected annual spending based on the card's specific earn rate (e.g., 1.25 points per $1 spent). We then convert
    these points into their equivalent dollar value to show what your "monthly" spending is actually worth.
  3. 3
    The 'Net Value' Deduction: To find the final figure, we subtract the first-year annual fee from the total sum of points and cash back expected to be earned. The resulting Rewards $ Value shown in our table represents your true "New Rewards $ Value"—in terms of Reward points and cash back of the value you receive after the card has paid for itself.
    Note: Our calculations assume you pay your statement balance in full each month. Because rewards credit cards carry high interest rates (often 20% p.a. or more), interest charges are not factored into this value as they would quickly negate the benefits earned.
Trust!

Why Trust
Kredmo?

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    80+ Cards Compared: We track over 20+ Australian providers to give you a full market view, not a filtered one.
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    User-First Logic: Our rankings are built on data-driven “Value Methodology,” not whether we have a partnership with provider or not.
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    Total Independence: We show you the best credit cards currently available in the Australian market and give you the tools to make the best decision for your unique financial journey.
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    Licensed: We operate under ACL 518788.