Transfer your balance.

It's time to take charge of debt. Whether it’s an outstanding balance on hire purchases, store cards, another bank’s credit card or a personal loan, you’ll only pay 1.99% p.a. for 12 months when you transfer your balance to a Westpac credit card*.

How much could you save?

Calculate what you could save by transferring your outstanding balance(s) to a Westpac credit card.

Balance Transfer Calculator

Which credit card is right for you?

Pay no annual fee for 2 years^

with a new hotpoints® Mastercard®, Airpoints™ Mastercard® or Low Rate Mastercard®.

Find out more

Things you need to know:

Repayments made will go towards paying off fees and interest first followed by balances transferred onto the card. Once the transferred balance is paid off in full, repayments will then go towards paying off purchases and cash advances.

Each month you need to make at least the minimum repayment towards your transferred balance, which is the greater of $5 or 2% of your closing balance. If you make new purchases or cash advances on the card and if on the balance transferred you still have an outstanding balance, you will incur interest on new purchases and cash advances.

You can make new purchases and cash advances on the credit card you transfer an outstanding balance to. Both will incur the current standard interest rates from the date the transaction is made with no interest free days, until the balance transferred and interest is paid off.

If you haven’t already, register for Westpac One online banking so you can easily manage your credit card on any device, at any time! 
Find out more about Westpac One.

If you’re an existing Westpac credit card customer, your balance transfer application will take 5 working days to process. 

If you’re applying for a Westpac credit card and a balance transfer, your application will take 10 working days to process.

Applications are subject to lending criteria.