Rating based on 74 reviews

Westpac Credit Card

  • Low rate credit cards
  • Special balance transfer
  • Low-interest starting from 13.74%

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Westpac homepage
Author Westpac. Screenshot of Westpac website.
[Accessed March 17, 2023]

About Westpac

Westpac began its operations in 1817 under the name Bank of New South Wales.

It changed its name in 1982 after a merger with the Commercial Bank of Australia. It has been a listed company since 2002. It went through a merger with St. George in 2008. Westpac is present in all major financial centres around the globe. 

Our network of branches

At present, the Westpac Group has a network of branches in Australia and New Zealand and the Pacific region. The group's workforce consists of some 36,000 employees who serve 12 million customers. Its global assets are worth AU$677.5 billion. Westpac offers credit and banking services. The operations of the group are carried out by three major divisions.

One of the largest ASX companies

With a market capitalisation of AU$95.5 billion, it is among the biggest 5 companies listed on the ASX based on this factor. These are Australian Financial Services, Retail and Business Banking and BT Financial Group. St. George is in charge of sales and services for customers in Australia.

Westpac Services

Westpac's credit cards are designed to match a variety of lifestyles and financial requirements and we offer everything from personal, home and car loans to savings and investment accounts.

With our low rate credit card, you can spend with confidence without worrying about your budget. You can readily take advantage of our offer for a 0% p.a. introductory rate.

Amazing rewards cards

With our rewards cards, you can get superb discounts, special deals and gifts as you spend. Earning points is fast and simple and the list of special benefits gets bigger and bigger. We have special deals with low introductory rates for purchases and balance transfers on our cards with reward programs as well. You can reduce your fixed costs with our low rate credit cards. You should not miss out on the exclusive offers for $0 annual fee.

Specialist customer support

All of our credit cards come with attractive interest rates and fair fees. As a cardholder, you will be entitled to specialist customer support and other extra benefits. You simply need to do what you love the most while we take care of the rest.

Westpac – Credit card

  • Loan Type Credit cards
  • Interest Rate from 13.74%

Benefits of Westpac

  • Low interest on the purchase rate
  • 55 days interest-free
  • A convenient mobile banking app
  • Get reward points

Westpac Credit Cards - the easier way to shop!

Having the convenience of a Westpac credit card allows you to make purchases wherever and whenever you need to.

Life can often present unexpected bills which we don’t budget for, and having a credit card on hand makes sure that you don’t have to start applying for loans to pay these bills.  

Swipe and get rewarded

Westpac offers great rewards with its credit card solutions. With Westpac, we reward you every time you swipe your card, which adds to the wonderful benefits we offer our clients.

We have a credit card option to suit any lifestyle and within everyone’s budget.

With our low rate credit card option you can receive:

  • Low-interest purchase rates to decrease your credit card costs
  • Low rate on purchases with 55 days interest-free on purchases
  • Pay for purchases under $100 with your credit card through the state of the art online technology
  • We have a mobile online service to make life a little easier – purchase online
  • Westpac Mobile Banking for on-the-go service on your smartphone
  • Annual fee of $59
  • 55 days interest-free on purchases – on your closing balance

Our Standard rates on purchases include:

  • Purchases - 13.49% p.a.
  • Cash advances - 21.49% p.a.

Benefits for our existing customers:

  • Cash in on your reward points
  • We over help should you be travelling overseas
  • Manage your credit card responsibly with our innovative technology
  • All transactions can be made overseas when travelling

Our mobile banking solution has made life much easier for those who are on the go, and too busy to get to the bank.

You incur no additional charges on your mobile

We can offer an additional card to another cardholder at no extra cost. Our fast and simple online platform allows you to handle your banking online from the comfort of your home or office.

Call our consultants today

Each credit card is embedded with a security microchip, which rules out card fraud and unauthorised activity. Our fraud helpline is available 24/7 to our customers.  

We also have a simple online platform to make credit card applications hassle-free.

man holding thumbs up

Westpac is a trusted & reliable provider of credit cards

In our review, Westpac adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Westpac is a registered credit provider in Australia: ACL 233714

Customer Reviews & Testimonials

April 2019

As a Wespac credit card holder I can say with utmost certainty that their credit cards boast some of the lowest rates around! You can use your credit card with the confidence and ease that you wi...

Nathan M
— Richmond —

May 2019

With credit cards that have a zero cost annual fee you can smile knowing you have additional money in your pocket. Life is tough and we need to save where we can; I save with one of Westpac’s zer...

Llewellyn T
— Sydney —

Westpac Contact

Physical Address

Opening Hours

  • Monday 09:30 – 18:00
  • Tuesday 09:30 – 18:00
  • Wednesday 09:30 – 18:00
  • Thursday 09:30 – 18:00
  • Friday 09:30 – 18:00
  • Saturday – Closed
  • Sunday – Closed