Westpac Credit Cards

Westpac is a bank that offers a variety of financial services, including personal, retail, business and institutional banking.

Types of Westpac credit cards

Fee-Free Mastercard

Features:

  • Up to 55 days interest free

Fees and charges:

  • No annual account fee
  • 12.90% p.a. interest rate on purchases
  • Balance transfers: 5.95% p.a. for life of balance transfer

Compare Low Rate Credit Cards

Westpac Airpoints Mastercard

Features:

  • Earn one Airpoints Dollar for every $150 spent on the card up to $3500, then 1 Airpoints Dollar for every $300 spent each month
  • 50 Airpoints Dollars advance if you’re short on what you need to redeem reward
  • Up to 55 days interest free

Fees and charges:

  • $70 annual fee
  • Joint/additional card: $15 p.a.
  • Purchase interest rate: 20.95% p.a.
  • Balance transfers: 5.95% p.a. for life of balance transfer
  • Cash advance interest rate: 22.95% p.a.

Westpac Airpoints Platinum Mastercard

Features:

  • Earn one Airpoints Dollar for every $110 spent on the card up to $7000, then one Airpoints Dollar for every $220 spent each month
  • Earn one Status Point for every $225 spent on the card
  • Join Air New Zealand’s Koru program and the joining fee will be waived, and receive a $145 discount off a standard 12-month individual membership rate
  • 200 Airpoints Dollars advance if you’re short on what you need to redeem reward
  • Up to 35 days’ overseas travel insurance (Exclusions, T&Cs apply)
  • 12 months extended warranty insurance (T&Cs apply)
  • Up to 44 days interest free

Fees and charges:

  • $125 annual fee
  • Joint/additional card: $25 p.a.
  • Purchase interest rate: 20.95% p.a.
  • Balance transfers: 5.95% p.a. for life of balance transfer
  • Cash advance interest rate: 22.95% p.a.

Westpac Airpoints World Mastercard

Features:

  • Earn one Airpoints Dollar for every $95spent on the card up to $15,000, then one Airpoints Dollar for every $190 spent each month
  • Earn one Status Point for every $225 spent on the card
  • Join Air New Zealand’s Koru programme and the joining fee will be waived, and receive a $145 discount off a standard 12-month individual membership rate
  • Priority Pass lounge access to over 1300 airport lounges around the world
  • Up to 120 days’ overseas travel insurance (Exclusions, T&Cs apply)
  • Two complimentary Valet parking eVouchers each year
  • Access to a wide range of travel experiences with Mastercard Travel Lifestyle Services
  • 200 Airpoints Dollars advance if you’re short on what you need to redeem reward
  • 12 months extended warranty insurance (T&Cs apply)
  • Up to 44 days interest free

Fees and charges:

  • $310 annual fee (waived if you spend over $50,000 between fee charges)
  • Joint/additional card: $100p.a.
  • Purchase interest rate: 16.95% p.a.
  • Balance transfers: 5.95% p.a. for life of balance transfer
  • Cash advance interest rate: 22.95% p.a.

Compare Rewards Credit Cards

hotpoints Mastercard

Features:

  • Earn 1 hotpoint for every $1 spent on the card up to $3500, then 0.5 hotpoints  for every $1 spent each month
  • Use hotpoints to reward yourself with shopping vouchers, travel, technology and more
  • Up to 55 days interest free

Fees and charges:

  • $40 annual fee
  • Joint/additional card: $15 p.a.
  • Purchase interest rate: 20.95% p.a.
  • Balance transfers: 5.95% p.a. for life of balance transfer
  • Cash advance interest rate: 22.95% p.a.

hotpoints Platinum Mastercard

Features:

  • Earn 1.5 hotpoints for every $1 spent on the card up to $7000, then 1 hotpoint for every $1 spent each month
  • Use hotpoints to reward yourself with shopping vouchers, travel, technology and more
  • Overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you can take each year (Exclusions, T&Cs apply)
  • Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services.
  • 12 months extended warranty insurance (T&Cs apply)
  • Up to 55 days interest free

Fees and charges:

  • $70 annual fee
  • Joint/additional card: $25 p.a.
  • Purchase interest rate: 20.95% p.a.
  • Balance transfers: 5.95% p.a. for life of balance transfer
  • Cash advance interest rate: 22.95% p.a.

hotpoints World Mastercard

hotpoints world mastercard

Features:

  • Earn 2 hotpoints for every $1 spent on the card up to $15,000, then 1 hotpoint  for every $1 spent each month
  • Use hotpoints to reward yourself with shopping vouchers, travel, technology and more
  • Priority Pass lounge access to over 1300 airport lounges around the world.
  • Overseas travel insurance for up to 120 days per round trip, with no limit to the number of trips you can take each year (Exclusions, T&Cs apply)
  • Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services.
  • 12 months extended warranty insurance (T&Cs apply)
  • Up to 44 days interest free

Fees and charges:

  • $285 annual fee (waived if you spend over $50,000 between fee charges)
  • One free joint/additional card, supplementary cards $100 p.a.
  • Purchase interest rate: 16.95% p.a.
  • Balance transfers: 5.95% p.a. for life of balance transfer
  • Cash advance interest rate: 22.95% p.a.

Canstar’s free comparison tool gives you the ability to compare Westpac credit card products with those from other lenders in the credit card market. For more details, just click on the button below.

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Westpac Credit Cards

Canstar Research
Rating:
Award: Outstanding Value Credit Cards Star Rating

Low Rate | Rewards: $120,000 Spend | Flight Rewards: $120,000 Spend

Fee Free Mastercard | hotpoints World Mastercard | Airpoints World Mastercard

View the 2023 Credit Cards Star Ratings Report

Written by: Bruce Pitchers | Last updated: March 24, 2023