Issuer profile · Credit cards
LiveWestpac credit cards
Westpac also offers savings accounts, home loans, term deposits, personal loans and share trading · Provider overview →
As of 18 September 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 $830 after its $370 first-year fee, which ranks 5th of 51 bonus cards.
- Top bonus, net of fee
- $830
- Altitude Qantas Black · $1,200 less $370
- Market rank
- #5
- of 51 cards with a bonus
- Cards
- 9
- 8 with a bonus · 4 programs
- Last change
- —
- None recorded yet
Offers and when they end
Bonus value net of first-year fee · expiry from the issuer's termsAltitude Qantas Black ($830 net) and Altitude Velocity Black ($830 net) and Altitude Black Rewards World Mastercard ($800 net) and Altitude Velocity Platinum ($550 net) and Altitude Qantas Platinum ($550 net) and Altitude Rewards Platinum ($401 net) and Low Rate Card ($366 net) and Low Fee Card ($210 net) carry a standing bonus with no published end date. Issuers usually renew or reprice an offer at expiry; the changelog records what actually happened.
What changed
No changes recorded for Westpac's credit cards since tracking began on 10 September 2026.
Cards
Ranked by bonus net of first-year fee · of 51 bonus cardsWestpac 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.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn up to $450 cashback on your new credit card - Get rewarded when you spend $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
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Westpac Extras
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- No
- Purchase protection
- No
Earn $240 cashback on your new low fee credit card - 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
- Complimentary travel insurance
- No
- Purchase protection
- No
Qantas Frequent Flyer · 2
150,000 pts ≈ $1,200 · 90k in year 1
- Annual fee
- $370
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.5 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
Get up to 150,000 bonus Qantas Points - 90,000 Qantas Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.
100,000 pts ≈ $800 · 70k in year 1
- Annual fee
- $250
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Qantas Frequent Flyer
- Base earn rate
- 0.35 Qantas Frequent Flyer pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
70,000 bonus Qantas Points in year 1 if you spend $4k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases within 90 days of card anniversary in year 2.Offer not available if you?ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months.
Velocity Rewards · 2
150,000 pts ≈ $1,200 · 90k in year 1
- Annual fee
- $370
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Velocity Rewards
- Base earn rate
- 0.5 Velocity Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% 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 $6k+ on eligible purchases within 90 days of new card approval and an extra 60,000 points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.
100,000 pts ≈ $800 · 70k in year 1
- Annual fee
- $250
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Rewards program
- Velocity Rewards
- Base earn rate
- 0.35 Velocity Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
Earn up to 100,000 bonus Velocity Points - 70,000 bonus Velocity Points in year 1 if you spend $4k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points with $4k+ spend on eligible purchases?
Altitude Rewards · 2
1 Altitude Rewards pts per $ · $295 fee, $200 in year 1 · domestic lounges
$800#10 of 51200,000 pts ≈ $1,000 · 100k in year 1
- Annual fee
- $295
- First-year fee
- $200
- Additional cardholder
- Free
- Rewards program
- Altitude Rewards
- Base earn rate
- 1 Altitude Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Airport lounges
- Domestic
- Complimentary travel insurance
- Yes
100,000 Rewards Points in year 1 if you spend $12k+ on eligible purchases within 12 months of new card approval and an extra 100,000 points with $12k+ spend on eligible purchases in year 2.
100,000 pts ≈ $500 · 75k in year 1
- Annual fee
- $175
- First-year fee
- $99
- Additional cardholder
- Free
- Rewards program
- Altitude Rewards
- Base earn rate
- 1 Altitude Rewards pts per $
- Purchase rate
- 20.99% p.a.
- Cash advance rate
- 21.99% p.a.
- Complimentary travel insurance
- Yes
- Purchase protection
- Yes
75,000 Rewards Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2.
Points are valued at BankMate's cents-per-point assumptions. Net figures deduct the first-year fee only. Compare all credit cards · Card report
Notes on Westpac credit cards
to leave a note.