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Credit cards.
A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard® is accepted.
Credit card options.
Compare cardsWhat is a credit card?
A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard® is accepted.
With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website.
If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.
If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards.
0% p.a. Balance transfer.
For 6 months on debts transferred to a Westpac credit card, from store cards, hire purchase, credit cards or personal loans held elsewhere*.
Find out moreWhy Westpac?
24/7 protection
With CardGuard you’re protected 24/7 from fraudulent activity1. Use your card anywhere, anytime, and leave your worries behind.
Smart ways to pay
Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay2.
Track your spending
CashNav lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.
Things you should know.
*Offer for a limited period, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 6 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®.
1 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use.
2Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard and Global Currency cards. Customers also need a compatible Apple Device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay see Westpac Apple Pay Terms and Conditions for more information. Conditions of Use for the applicable card also apply. If you only make the minimum repayment each month, you will pay more interest and it will take you longer to pay off the unpaid balance. Apple Pay, Apple Watch, Face ID, iPad, iPhone, MacBook Pro, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.
You must be a member of Air New Zealand's Airpoints™ programme to earn Airpoints Dollars. Airpoints Terms and Conditions.
Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.
Eligibility criteria, Lending criteria, Terms and Conditions apply. Conditions of Use for the applicable card apply.
Rates, Transaction and Services Fees apply. Interest rates and fees subject to change.