$0 Annual Fee for 2 years on a new credit card*

Now is the perfect time to review your finances and find new ways to cut your costs and save a little more. Not having to pay for an Annual Fee on a new Westpac credit card for 2 years* could be a smart way to do just that!

From low rates to a choice of rewards, there's a Westpac credit card to suit everyone. Choose one of the 5 cards below, apply now and pay $0 Annual Fee for 2 years once approved*.


  • Low Rate Mastercard®

    Low Rate Mastercard®

    $0 Annual Fee for 2 years, that's $50 on us!* Keep it simple with a low 13.45% p.a. interest rate on purchases and up to 55 days interest free. 

    Apply now
  • Airpoints™ Mastercard<sup>®</sup>;

    Airpoints™ Mastercard®

     $0 Annual Fee for 2 years, that's $110 on us!* Fly faster by earning Airpoints Dollars™ with a Westpac Airpoints™ Mastercard®.

    Apply now
  • hotpoints<sup>†</sup>; Mastercard<sup>®</sup>;

    hotpoints® Mastercard®

    $0 Annual Fee for 2 years, that's $88 on us!* Earn rewards your way, from vouchers to travel, merchandise and more with a hotpoints®Mastercard®.

    Apply now

Want additional perks?

Go Platinum for faster hotpoints® and Airpoints™ earning power! Plus, travel insurance and payment protection insurance are also included!

  • Airpoints Platinum Mastercard®

    Airpoints Platinum Mastercard®

    $0 Annual Fee for 2 years, that's $300 on us!* Impressive Airpoints Dollars™ earning power plus discounted Koru membership#, the ability to earn Status Points and more. 

    Apply now
  • hotpoints® Platinum Mastercard®

    hotpoints® Platinum Mastercard®

    $0 Annual Fee for 2 years, that's $238 on us!* Get higher hotpoints earning power and benefits like travel and purchase protection insurance. 

    Apply now
  • work out a payment plan

    5.95% p.a. Balance Transfer

    Apply to transfer your balance(s) to a Westpac credit card and pay 5.95% p.a. on the life of the balance transferred^.

  • what do i need to apply

    Pay with your mobile

    Use your smartphone for secure, fast and easy contactless payment, with Apple Pay or Westpac Pay for Android.

  • interest rates and fees


    You're protected 24/7 from fraudulent activity so you can use your card anywhere, anytime and leave your worries behind.