Every change at Westpac

37 changes since 1 March 2026 · our own corrections of a misread figure aren’t shown

October 202632 changes

30Fri
- Credit cardsAltitude Qantas Platinumbonus 100,000 pts → 50,000 pts
  −50k pts
- Credit cardsAltitude Black Rewards World Mastercardbonus 200,000 pts → 150,000 pts
  −50k pts
- Credit cardsAltitude Velocity Platinumbonus 100,000 pts → 50,000 pts
  −50k pts
- Credit cardsAltitude Rewards Platinumbonus 100,000 pts → 90,000 pts
  −10k pts
14Wed
- Credit cardsAltitude Velocity Platinumfirst-year fee now the full fee
  —
- Credit cardsAltitude Velocity Blackfirst-year fee now the full fee
  —
- Credit cardsAltitude Qantas Blackfirst-year fee now the full fee
  —
- Credit cardsAltitude Qantas Platinumfirst-year fee now the full fee
  —
13Tue
- Home loansVariable Rate Investment Property Loan2 variants up 0.2513 days after the RBA rise to 4.60%
  All Variable · Investor · ≤95% LVR
  P&I 9.38 9.63 +0.25
  Interest Only 9.64 9.89 +0.25
  +0.25
12Mon
- Credit cardsAltitude Black Rewards World Mastercardfirst-year fee now $275
  —
- Credit cardsAltitude Rewards Platinumfirst-year fee now $174
  —
- Credit cardsLow Fee Cardfirst-year fee now $0
  —

10Sat

Credit cardsAltitude Velocity Blackfirst-year fee now $200
—
Credit cardsAltitude Qantas Blackfirst-year fee now $200
—
Credit cardsAltitude Velocity Platinumfirst-year fee now $99
—
Credit cardsAltitude Qantas Platinumfirst-year fee now $99
—

Home loansFlexi First: Our lowest online variable home loan rate (Investor)6 variants up 0.17 to 0.2510 days after the RBA rise to 4.60%

All Variable · Investor

P&I · ≤70% LVR	6.15	→	6.40	+0.25
P&I · 70–80% LVR	6.25	→	6.50	+0.25
Interest Only · ≤70% LVR	6.09	→	6.26	+0.17
Interest Only · 70–80% LVR	6.19	→	6.36	+0.17
P&I · 80–95% LVR	7.15	→	7.40	+0.25
Interest Only · 80–90% LVR	7.43	→	7.61	+0.18

+0.17 to +0.25

Home loansRocket Loan: Variable Home Loan with Offset (Owner Occupied)5 variants up 0.24 to 0.2510 days after the RBA rise to 4.60%
All Variable · Owner-occupier
P&I · ≤70% LVR 6.77 7.01 +0.24
P&I · 70–80% LVR 6.86 7.11 +0.25
P&I · 80–95% LVR 7.16 7.41 +0.25
Interest Only · ≤70% LVR 7.00 7.25 +0.25
Interest Only · 70–80% LVR 7.10 7.35 +0.25
+0.24 to +0.25
Home loansFlexi First: Our lowest online variable home loan rate (Owner Occupied)5 variants up 0.11 to 0.2510 days after the RBA rise to 4.60%
All Variable · Owner-occupier
P&I · ≤70% LVR 6.00 6.25 +0.25
P&I · 70–80% LVR 6.10 6.35 +0.25
Interest Only · ≤70% LVR 5.86 5.97 +0.11
Interest Only · 70–80% LVR 5.96 6.07 +0.11
P&I · 80–95% LVR 6.85 7.10 +0.25
+0.11 to +0.25

Home loansFixed Rate Home Loan55 variants up 0.13 to 0.3610 days after the RBA rise to 4.60%

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.80	→	7.02	+0.22
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.84	→	7.03	+0.19
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.90	→	7.12	+0.22
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.93	→	7.13	+0.20
2yr Fixed · P&I · Investor · ≤70% LVR	7.01	→	7.21	+0.20
1yr Fixed · P&I · Investor · ≤70% LVR	6.99	→	7.21	+0.22
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.99	→	7.21	+0.22
2yr Fixed · P&I · Investor · 70–80% LVR	7.11	→	7.31	+0.20
1yr Fixed · P&I · Investor · 70–80% LVR	7.09	→	7.31	+0.22
2yr Fixed · Interest Only · Investor · ≤70% LVR	7.02	→	7.22	+0.20
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.92	→	7.10	+0.18
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.88	→	7.08	+0.20
2yr Fixed · Interest Only · Investor · 70–80% LVR	7.12	→	7.32	+0.20
1yr Fixed · Interest Only · Investor · 70–80% LVR	7.09	→	7.31	+0.22
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.83	→	7.05	+0.22
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.02	→	7.20	+0.18
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	7.03	→	7.18	+0.15
3yr Fixed · P&I · Investor · ≤70% LVR	7.11	→	7.28	+0.17
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.15	→	7.43	+0.28
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.98	→	7.18	+0.20
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	7.10	→	7.24	+0.14
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.17	→	7.42	+0.25
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.93	→	7.15	+0.22
3yr Fixed · P&I · Investor · 70–80% LVR	7.21	→	7.38	+0.17
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.12	→	7.28	+0.16
3yr Fixed · Interest Only · Investor · ≤70% LVR	7.12	→	7.30	+0.18
2yr Fixed · P&I · Investor · 80–95% LVR	7.33	→	7.60	+0.27
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.20	→	7.34	+0.14
1yr Fixed · P&I · Investor · 80–95% LVR	7.35	→	7.60	+0.25
3yr Fixed · Interest Only · Investor · 70–80% LVR	7.22	→	7.39	+0.17
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.01	→	7.18	+0.17
5yr Fixed · P&I · Investor · ≤70% LVR	7.30	→	7.43	+0.13
4yr Fixed · P&I · Investor · ≤70% LVR	7.24	→	7.40	+0.16
1yr Fixed · Interest Only · Investor · 80–95% LVR	7.36	→	7.61	+0.25
2yr Fixed · Interest Only · Investor · 80–95% LVR	7.34	→	7.61	+0.27
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.20	→	7.50	+0.30
5yr Fixed · Interest Only · Investor · ≤70% LVR	7.29	→	7.43	+0.14
4yr Fixed · Interest Only · Investor · ≤70% LVR	7.24	→	7.39	+0.15
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.11	→	7.28	+0.17
4yr Fixed · P&I · Investor · 70–80% LVR	7.34	→	7.50	+0.16
5yr Fixed · P&I · Investor · 70–80% LVR	7.40	→	7.53	+0.13
5yr Fixed · Interest Only · Investor · 70–80% LVR	7.39	→	7.53	+0.14
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.27	→	7.58	+0.31
3yr Fixed · P&I · Investor · 80–95% LVR	7.37	→	7.68	+0.31
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.15	→	7.31	+0.16
4yr Fixed · Interest Only · Investor · 70–80% LVR	7.34	→	7.49	+0.15
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.22	→	7.36	+0.14
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	7.29	→	7.63	+0.34
3yr Fixed · Interest Only · Investor · 80–95% LVR	7.39	→	7.69	+0.30
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.25	→	7.41	+0.16
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.32	→	7.46	+0.14
4yr Fixed · P&I · Investor · 80–95% LVR	7.45	→	7.80	+0.35
5yr Fixed · P&I · Investor · 80–95% LVR	7.47	→	7.83	+0.36
5yr Fixed · Interest Only · Investor · 80–95% LVR	7.49	→	7.83	+0.34
4yr Fixed · Interest Only · Investor · 80–95% LVR	7.47	→	7.79	+0.32

+0.13 to +0.36

Home loansRocket Loan: Variable Home Loan with Offset (Investor)6 variants up 0.24 to 0.2510 days after the RBA rise to 4.60%

All Variable · Investor

P&I · ≤70% LVR	6.96	→	7.21	+0.25
P&I · 70–80% LVR	7.06	→	7.31	+0.25
Interest Only · ≤70% LVR	7.10	→	7.35	+0.25
Interest Only · 70–80% LVR	7.20	→	7.45	+0.25
P&I · 80–95% LVR	7.36	→	7.60	+0.24
Interest Only · 80–90% LVR	7.50	→	7.75	+0.25

+0.24 to +0.25

9Fri
- Savings accounts3 accounts up 0.20 to 0.259 days after the RBA rise to 4.60%
  Westpac Life with Spend&Save 5.75 5.95 +0.20
  Bump Savings 5.05 5.30 +0.25
  Westpac Life 5.00 5.25 +0.25
  +0.20 to +0.25

8Thu

Home loansRocket Loan: Variable Home Loan with Offset (Owner Occupied)application fee $600 → $0 on 5 variants
All Variable · Owner-occupier
P&I · ≤70% LVR $600 $0 −$600
P&I · 70–80% LVR $600 $0 −$600
P&I · 80–95% LVR $600 $0 −$600
Interest Only · ≤70% LVR $600 $0 −$600
Interest Only · 70–80% LVR $600 $0 −$600
−$600

Home loansFixed Rate Home Loanapplication fee $600 → $0 on 40 variants

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
2yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
1yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Investor · ≤70% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Investor · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
3yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Owner-occupier · 80–95% LVR	$600	→	$0	−$600
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	$600	→	$0	−$600
4yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600
5yr Fixed · P&I · Investor · 80–95% LVR	$600	→	$0	−$600

−$600

Home loansRocket Loan: Variable Home Loan with Offset (Investor)application fee $600 → $0 on 6 variants

All Variable · Investor

P&I · ≤70% LVR	$600	→	$0	−$600
P&I · 70–80% LVR	$600	→	$0	−$600
Interest Only · ≤70% LVR	$600	→	$0	−$600
Interest Only · 70–80% LVR	$600	→	$0	−$600
P&I · 80–95% LVR	$600	→	$0	−$600
Interest Only · 80–90% LVR	$600	→	$0	−$600

−$600

Home loansVariable Rate Investment Property Loanapplication fee $600 → $0 on 2 variants
All Variable · Investor · ≤95% LVR
P&I $600 $0 −$600
Interest Only $600 $0 −$600
−$600

1Thu
- Credit cardsAltitude Velocity Blackannual fee $370 → $295
  Annual fee $370 $295 −$75
  Base earn rate 0.5 0.4 −0.10
  −$75
- Credit cardsAltitude Rewards Platinumannual fee $175 → $250
  +$75
- Credit cardsAltitude Black Rewards World Mastercardannual fee $295 → $370
  +$75
- Credit cardsAltitude Velocity Platinumannual fee $250 → $175
  Annual fee $250 $175 −$75
  Base earn rate 0.35 0.33 −0.02
  −$75
- Credit cardsAltitude Qantas Blackannual fee $370 → $295
  Annual fee $370 $295 −$75
  Base earn rate 0.5 0.4 −0.10
  −$75
- Credit cardsAltitude Qantas Platinumannual fee $250 → $175
  Annual fee $250 $175 −$75
  Base earn rate 0.35 0.33 −0.02
  −$75

September 20262 changes

19Sat

Home loansFixed Rate Home Loan40 variants up 0.03 to 0.23

1yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.77	→	6.80	+0.03
2yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.76	→	6.84	+0.08
1yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.87	→	6.90	+0.03
2yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.84	→	6.93	+0.09
2yr Fixed · P&I · Investor · ≤70% LVR	6.92	→	7.01	+0.09
1yr Fixed · P&I · Investor · ≤70% LVR	6.95	→	6.99	+0.04
1yr Fixed · Interest Only · Investor · ≤70% LVR	6.96	→	6.99	+0.03
2yr Fixed · P&I · Investor · 70–80% LVR	7.03	→	7.11	+0.08
1yr Fixed · P&I · Investor · 70–80% LVR	7.06	→	7.09	+0.03
2yr Fixed · Interest Only · Investor · ≤70% LVR	6.93	→	7.02	+0.09
3yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.80	→	6.92	+0.12
2yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.80	→	6.88	+0.08
2yr Fixed · Interest Only · Investor · 70–80% LVR	7.03	→	7.12	+0.09
1yr Fixed · Interest Only · Investor · 70–80% LVR	7.06	→	7.09	+0.03
1yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.80	→	6.83	+0.03
3yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.90	→	7.02	+0.12
4yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.87	→	7.03	+0.16
3yr Fixed · P&I · Investor · ≤70% LVR	6.97	→	7.11	+0.14
2yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.91	→	6.98	+0.07
5yr Fixed · P&I · Owner-occupier · ≤70% LVR	6.90	→	7.10	+0.20
1yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	6.90	→	6.93	+0.03
3yr Fixed · P&I · Investor · 70–80% LVR	7.08	→	7.21	+0.13
4yr Fixed · P&I · Owner-occupier · 70–80% LVR	6.97	→	7.12	+0.15
3yr Fixed · Interest Only · Investor · ≤70% LVR	6.97	→	7.12	+0.15
5yr Fixed · P&I · Owner-occupier · 70–80% LVR	7.00	→	7.20	+0.20
3yr Fixed · Interest Only · Investor · 70–80% LVR	7.07	→	7.22	+0.15
3yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	6.89	→	7.01	+0.12
5yr Fixed · P&I · Investor · ≤70% LVR	7.07	→	7.30	+0.23
4yr Fixed · P&I · Investor · ≤70% LVR	7.05	→	7.24	+0.19
5yr Fixed · Interest Only · Investor · ≤70% LVR	7.08	→	7.29	+0.21
4yr Fixed · Interest Only · Investor · ≤70% LVR	7.06	→	7.24	+0.18
3yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.00	→	7.11	+0.11
4yr Fixed · P&I · Investor · 70–80% LVR	7.14	→	7.34	+0.20
5yr Fixed · P&I · Investor · 70–80% LVR	7.17	→	7.40	+0.23
5yr Fixed · Interest Only · Investor · 70–80% LVR	7.18	→	7.39	+0.21
4yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.00	→	7.15	+0.15
4yr Fixed · Interest Only · Investor · 70–80% LVR	7.16	→	7.34	+0.18
5yr Fixed · Interest Only · Owner-occupier · ≤70% LVR	7.04	→	7.22	+0.18
4yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.10	→	7.25	+0.15
5yr Fixed · Interest Only · Owner-occupier · 70–80% LVR	7.15	→	7.32	+0.17

+0.03 to +0.23

13Sun
- Share tradingWestpac Share Tradingcash interest — → 1.20%Re-read from the broker's pricing pages
  +1.20%

July 20261 change

3Fri

Term depositsTerm Deposit3 terms cut 0.25 to 0.50

12-month, paid at maturity	5.00	→	4.75	−0.25
12-month, paid monthly or half-yearly	4.95	→	4.70	−0.25
23-month, paid at maturity	5.00	→	4.75	−0.25
23-month, paid monthly or half-yearly	4.95	→	4.70	−0.25
35-month, paid at maturity	5.00	→	4.50	−0.50
35-month, paid monthly or half-yearly	4.95	→	4.45	−0.50

−0.50 to −0.25

May 20261 change

15Fri
- Savings accounts2 accounts up 0.259 days after the RBA rise to 4.35%
  Bump Savings 4.80 5.05 +0.25
  Westpac Life 5.50 5.75 +0.25
  +0.25

March 20261 change

27Fri
- Savings accounts2 accounts up 0.259 days after the RBA rise to 4.10%
  Bump Savings 4.55 4.80 +0.25
  Westpac Life 5.25 5.50 +0.25
  +0.25

No changes on record for Westpac’s personal loans, everyday accounts.

P&I · ≤70% LVR	6.00	→	6.25	+0.25
P&I · 70–80% LVR	6.10	→	6.35	+0.25
Interest Only · ≤70% LVR	5.86	→	5.97	+0.11
Interest Only · 70–80% LVR	5.96	→	6.07	+0.11
P&I · 80–95% LVR	6.85	→	7.10	+0.25

Westpac Life with Spend&Save	5.75	→	5.95	+0.20
Bump Savings	5.05	→	5.30	+0.25
Westpac Life	5.00	→	5.25	+0.25

Annual fee	$370	→	$295	−$75
Base earn rate	0.5	→	0.4	−0.10

Annual fee	$250	→	$175	−$75
Base earn rate	0.35	→	0.33	−0.02

Annual fee	$370	→	$295	−$75
Base earn rate	0.5	→	0.4	−0.10

Annual fee	$250	→	$175	−$75
Base earn rate	0.35	→	0.33	−0.02