Westpac credit cards
9 credit cards. Ranked by bonus net of first-year fee · of 66 bonus cards.
Westpac Extras · 3
$450 value
- Annual fee
- $84
- Monthly fee
- $7
- Additional cardholder
- Free
- Rewards program
- Westpac Extras
- Purchase rate
- 13.74% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- No
Earn up to $450 cashback on your new credit card - $75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval.
$240 value
- Annual fee
- $30
- First-year fee
- Additional cardholder
- Free
- Rewards program
- Westpac Extras
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- No
Get $240 cashback when you spend $3.5k+ on eligible purchases in the first 90 days from card approval.
- Annual fee
- $108
- Monthly fee
- $9
- Additional cardholder
- Free
- Rewards program
- Westpac Extras
- Purchase rate
- 9.90% p.a.
- Interest-free days
- Up to 45
- Airport lounges
- Domestic
- Complimentary travel insurance
- No
Qantas Frequent Flyer · 2
0.4 Qantas Frequent Flyer pts per $ · $295 fee · domestic lounges
$9051st of 66150,000 pts ≈ $1,200 · 90k in year 1
- Annual fee
- $295
- Rewards program fee
- $155
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.4 Qantas Frequent Flyer pts per $
- Purchase rate
- 23.98% p.a.
- Cash advance rate
- 23.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Get up to 150,000 bonus Qantas Points and 50 Status Credits - 90,000 Qantas Points in year 1 and 50 Status Credits if you spend $9k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases within 90 days of card anniversary in year 2.
0.33 Qantas Frequent Flyer pts per $ · $175 fee · domestic lounges
$22523rd of 6650,000 pts ≈ $400 · 30k in year 1
- Annual fee
- $175
- Rewards program fee
- $125
- Additional cardholder
- Free
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.33 Qantas Frequent Flyer pts per $
- Purchase rate
- 23.98% p.a.
- Cash advance rate
- 23.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Earn up to 50,000 bonus Qantas Points - 30,000 bonus Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 20,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.
Velocity Rewards · 2
0.4 Velocity Rewards pts per $ · $295 fee · domestic lounges
$9051st of 66150,000 pts ≈ $1,200 · 90k in year 1
- Annual fee
- $295
- Rewards program fee
- $155
- Additional cardholder
- Free
- Rewards program
- Velocity Rewards
- Base earn rate
- 0.4 Velocity Rewards pts per $
- Purchase rate
- 23.98% p.a.
- Cash advance rate
- 23.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Get up to 150,000 bonus Velocity Points - 90,000 Velocity Points in year 1 if you spend $9k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases within 90 days of card anniversary in year 2.
0.33 Velocity Rewards pts per $ · $175 fee · domestic lounges
$22523rd of 6650,000 pts ≈ $400 · 30k in year 1
- Annual fee
- $175
- Rewards program fee
- $125
- Additional cardholder
- Free
- Rewards program
- Velocity Rewards
- Base earn rate
- 0.33 Velocity Rewards pts per $
- Purchase rate
- 23.98% p.a.
- Cash advance rate
- 23.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Get up to 50,000 bonus Velocity Points - 30,000 bonus Velocity Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 20,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.
Altitude Rewards · 2
1 Altitude Rewards pts per $ · $370 fee, $275 in year 1 · international lounges
$23521st of 66150,000 pts ≈ $510 · 90k in year 1
- Annual fee
- $370
- First-year fee
- $275
- Additional cardholder
- Free
- Rewards program
- Altitude Rewards
- Base earn rate
- 1 Altitude Rewards pts per $
- Purchase rate
- 23.98% p.a.
- Cash advance rate
- 23.99% p.a.
- Airport lounges
- International
- Complimentary travel insurance
- Yes
Get up to 150,000 bonus Altitude Rewards Points - 90,000 Rewards Points in year 1 if you spend $9k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $9k+ spend on eligible purchases within 90 days of card anniversary in year 2.
1 Altitude Rewards pts per $ · $250 fee, $174 in year 1 · domestic lounges
$13234th of 6690,000 pts ≈ $306 · 60k in year 1
- Annual fee
- $250
- First-year fee
- $174
- Additional cardholder
- Free
- Rewards program
- Altitude Rewards
- Base earn rate
- 1 Altitude Rewards pts per $
- Purchase rate
- 23.98% p.a.
- Cash advance rate
- 23.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Get up to 90,000 bonus Altitude Rewards Points - 60,000 Rewards Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.
No published end date · 8
- Altitude Qantas Black$905 net
- Altitude Velocity Black$905 net
- Low Rate Card$366 net
- Low Fee Card$240 net
- Altitude Black Rewards World Mastercard$235 net
- Altitude Velocity Platinum$225 net
- Altitude Qantas Platinum$225 net
- Altitude Rewards Platinum$132 net
Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
October 20268 changes
- 30Fri
- Altitude Qantas Platinumbonus 100,000 pts → 50,000 pts−50k pts
- Altitude Black Rewards World Mastercardbonus 200,000 pts → 150,000 pts−50k pts
- Altitude Velocity Platinumbonus 100,000 pts → 50,000 pts−50k pts
- Altitude Rewards Platinumbonus 100,000 pts → 90,000 pts−10k pts
- 14Wed
- Altitude Velocity Platinumfirst-year fee now the full fee—
- Altitude Velocity Blackfirst-year fee now the full fee—
- Altitude Qantas Blackfirst-year fee now the full fee—
- Altitude Qantas Platinumfirst-year fee now the full fee—
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare credit cards · Card report
Notes on Westpac credit cards
to leave a note.
As of 2 November 2026, Westpac has nine credit cards tracked by BankMate, eight of them carrying a sign-up bonus. The Altitude Qantas Black's 150,000 pts are worth about $1,200, or $905 after its $295 first-year fee, which ranks 1st of 66 bonus cards. Its cards last changed on 29 October 2026. From the provider's Consumer Data Right feed, refreshed nightly.