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.

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.