Credit Cards

From low rates to a choice of rewards, there's a Westpac credit card to suit everyone. Browse our cards below and apply online today.

Airpoints™ Credit Cards

Earn Air New Zealand Airpoints Dollars™ with your Westpac Mastercard® spend^#.
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Low Rate Mastercard®

Our lowest interest credit card can help you keep costs down on borrowing.

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hotpoints® Credit Cards

Earn hotpoints every time you spend on Westpac's range of hotpoints Mastercards.
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Business cards solutions

Put your company in charge of its spending with our range of business card options.

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Terms and conditions

Westpac’s current credit card lending criteria will apply for credit cards. Credit Card Conditions of Use for the applicable card will apply. Interest rates and fees are current as at 20 May 2019 and are subject to change without notice. Other charges may apply to some of the transactions and services mentioned –Find out more on our Credit Card fees and rates pages. Overseas cash advances and foreign currency fees may apply. Hotpoints terms and conditions apply. hotpoints® is a registered trademark of Westpac Banking Corporation. Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

#The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the Westpac Credit Card Conditions of Use for the applicable card for full details): fees and interest; balance transfers; credit card repayment insurance; purchases of Airpoints Dollars using Airpoints Advance facilities; gambling chips; cash advances or withdrawals made from ATMs or over the counter at a bank; money orders, travellers cheques and foreign currencies in cash; any transaction that is reversed, refunded or charged back; transactions on any nominated account(s) linked to your Westpac Airpoints credit card; and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only.

For daily transaction limits, click here.

Get 300 bonus Airpoints Dollars™

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