Why Westpac?

24/7 protection

With CardGuard® you’re protected 24/7 from fraudulent activity². Use your card anywhere, anytime, and leave your worries behind.

How CardGuard keeps you safe

Smart ways to pay

Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay³, Westpac Pay for Android and more.

Your digital payment options

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.

Discover CashNav

How to apply.

Apply online via Westpac One, visit us at a branch, or call us on 0800 177 277 between 8am - 6pm Monday to Friday or 9am - 3pm Saturdays.

We may contact you using the details captured in the application process to see how we can help with your application.

Things you should know.

1 Offer ends 10 May 2021, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 12 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. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card’s Conditions of Use  If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.

2 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use.

3 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple Device.

Android is a trade mark of Google Inc.

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.