How to transfer your credit card balance.

Apply for a balance transfer in Westpac One® digital banking:

1.  In the app go to More, then Open/Apply or in online banking go to Accounts, scroll down and choose Open/ Apply
2. Then choose Balance transfer

If you don’t use Westpac One digital banking, download and complete the credit card balance transfer application and bring it into a branch.

Your balance transfer application will take up to 5 working days to process.

You can apply for a credit card online on our website or at your local Westpac branch.
Your application will take up to 10 working days to process.

If you wish to close your other card, you’ll need to arrange it with your other provider, as well as take care of any outstanding or upcoming payments and interest.

To qualify for interest free days on purchases, you’ll need to pay the full outstanding balance on your credit card statement by the payment due date excluding any balances transferred.

If you have outstanding cash, purchases or interest and fee balances on your card, the standard interest rates will apply (as outlined in your card's Conditions of Use).

Interest free days are not available on cash advances, balance transfers or interest and fees.

The 5.95% p.a. balance transfer rate¹ only applies to balances transferred until that balance has been repaid in full.

All credit card repayments you make will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers.

This means any balance transfer amount won't start being paid off until any cash advances or purchases made on your card have been paid in full. For more check Balance Transfer.

¹Rate will apply to balance(s) transferred until that balance(s) is paid off. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. 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. 

Airpoints Dollars™ can only be earned on purchases. Cash advances and balance transfers are excluded from earning Airpoints Dollars¹.

There is no fee to transfer a balance to your Westpac credit card. Interest is charged on balances transferred, where applicable. Find out more about our other credit card fees and interest rates.

You can only transfer up to 95% of your available credit card limit.  This ensures there's enough limit to cover any fees or charges that may be charged to your card. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. You must close any facilities indicated in this application as being repaid by the Balance Transfer. Full Balance Transfer Terms and conditions apply.

Applications are subject to lending criteria.

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.  

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Terms and conditions

Eligibility criteria, lending criteria, terms and conditions apply. Learn more:

• Balance Transfer Terms and Conditions
• Conditions of Use for the Applicable Card
• Transaction and Service Fees Brochure
• Terms and conditions for all our credit card products.