Westpac offers a wide range of credit cards including low rate credit cards, rewards credit cards, balance transfer credit cards, airpoints credit cards and more. Use the credit card comparison table below to compare and find the best Westpac credit card to suit your needs.
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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
 Westpac Low Rate MasterCard Credit Card |
Comes with a low rate of just 13.45% plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferred | 13.45% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $65.00 | 55 days* |
 Westpac hotpoints World MasterCard Credit Card |
Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free travel insurance, purchase protection, extended warranty and more | 16.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $390.00 | 55 days* |
 Westpac Airpoints World MasterCard Credit Card |
This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 0% for 12 months | 16.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $390.00 | 55 days* |
 Westpac hotpoints MasterCard Credit Card |
Earn 1 hotpoint for every $1 spent on the card plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $44.00 | 55 days* |
 Westpac hotpoints Platinum MasterCard Credit Card |
Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 0% for 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $125.00 | 55 days* |
 Westpac Airpoints MasterCard Credit Card |
Earn one Airpoints Dollar for every NZD$120 spent on the card plus 0% balance transfer 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $55.00 | 55 days* |
 Westpac Airpoints Platinum MasterCard Credit Card |
Earn one Airpoints Dollar for every $75 spent on the card plus get 0% p.a. for 12 months then 5.95% for the life of the balance transferred | 20.95% | 0% p.a. for 12 months then 5.95% for the life of the balance... | 22.95% | $145.00 | 44 days* |
 Westpac Airpoints Business MasterCard Credit Card |
Earn one Airpoints Dollar for every NZD$75 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transfered | 20.95% | 5.95% for the life of the balance transfered | 22.95% | $145.00 | 44 days* |
 Westpac BusinessPLUS Mastercard with hotpoints |
Earn 1.25 hotpoints® on every dollar you spend on your card plus travel insurance for 35 days | 20.95% | 5.95% for the life of the balance transferred | 22.95% | $100.00 | 55 days* |
Description:
Comes with a low rate of just 13.45% plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
13.45%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Annual Fee:
$0 annual fee for 2 years then $32.50 half yearly
Interest Free:
55 days*
Description:
Earn 3 hotpoints per $1 dollar spent plus free airport lounge access, free travel insurance, purchase protection, extended warranty and more
Purchase Rate:
16.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 3 hotpoints® for every $1 spent on the card
Annual Fee:
$390 p.a. paid in two 6-monthly instalments of $195
Interest Free:
55 days*
Description:
This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 0% for 12 months
Purchase Rate:
16.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$65 spent on the card plus get 0% p.a. on balance transf...
Annual Fee:
$390 per year Paid in two 6-monthly instalments of $195
Interest Free:
55 days*
Description:
Earn 1 hotpoint for every $1 spent on the card plus a balance transfer offer of 0% p.a. for 12 months then 5.95% for the life of the balance transferr...
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 1 hotpoint for every $1 spent on the card
Annual Fee:
$44 p.a.
Interest Free:
55 days*
Description:
Earn 2 hotpoints® for every $1 spent on the card plus a balance transfer offer of 0% for 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 2 hotpoints® for every $1 spent on the card
Annual Fee:
$125 p.a. per year Paid in two 6-monthly instalments of $62.50.
Interest Free:
55 days*
Description:
Earn one Airpoints Dollar for every NZD$120 spent on the card plus 0% balance transfer 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$120 spent on the card
Annual Fee:
$0 for the first 2 years and after that $55 per year Paid in two 6-monthly instalments of $27.5...
Interest Free:
55 days*
Description:
Earn one Airpoints Dollar for every $75 spent on the card plus get 0% p.a. for 12 months then 5.95% for the life of the balance transferred
Purchase Rate:
20.95%
Balance Transfer:
0% p.a. for 12 months then 5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$75 spent on the card
Annual Fee:
$145 per year Paid in two 6-monthly instalments of $72.50
Interest Free:
44 days*
Description:
Earn one Airpoints Dollar for every NZD$75 spent on the card plus a balance transfer offer of 5.95% for the life of the balance transfered
Purchase Rate:
20.95%
Balance Transfer:
5.95% for the life of the balance transfered
Cash Rate:
22.95%
Rewards:
Earn one Airpoints Dollar for every NZD$75 spent on the card
Annual Fee:
$145.00
Interest Free:
44 days*
Description:
Earn 1.25 hotpoints® on every dollar you spend on your card plus travel insurance for 35 days
Purchase Rate:
20.95%
Balance Transfer:
5.95% for the life of the balance transferred
Cash Rate:
22.95%
Rewards:
Earn 1.25 hotpoints® on every dollar you spend on your card
Annual Fee:
$100.00
Interest Free:
55 days*
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