Credit cards: compare fees & interest rates

No foreign transaction fees or overseas ATM fees apply for Platinum or World customers. Other fees and charges may apply, including Overseas ATM operator and local non-bank ATM operators may charge a fee. You are not eligible for this offer if you currently hold or have held an ANZ Rewards or Frequent Flyer credit card in the last 24 months. ANZ Cashback is not transferable and cannot be cancelled once issued. ANZ Reward Points are not earned on ANZ Cashback transactions on your account. When you redeem your ANZ Reward Points for ANZ Cashback, credit of your nominated value will be allocated to your eligible ANZ Rewards or other ANZ account within 2 business days.

No cover is available under any other benefit or if you are travelling on a cruise. For more information please refer to the Credit Card Insurance PDS (PDF). If the person you want to add as an additional cardholder isn’t already banking with us, we’ll need them to be identified at an Australia Post outlet. Nickname your card, set a spend limit and choose an minimum deposit casino end date to manage multiple purchases, like a holiday or home renovation.

The Balance Transfer Fee (which is a Specific Fee on the credit card account) is 3% of the balance transferred and will be applied at the time the balance is transferred and forms part of the Promotional Plan balance. No credit card annual fee applies when the card is taken out as an eligible card with the Complete Home Loan Package. Package consists of an eligible home loan, one optional eligible credit card per customer and up to nine optional Offset Transaction Accounts per loan. The Complete Home Loan Package is closed when all home loans included in the package are closed. Under the package, only one optional Bankwest Qantas Mastercard, Bankwest More Mastercard or Breeze Mastercard account is allowed per customer. Allow up to 5 business days for your Velocity Points to be allocated to your account.

Zero Platinum Mastercard

Introductory rate on balance transfers is available only to new Bankwest More Mastercard customers who apply from 15 May 2017 until the promotion ends, and are approved. You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. However, complimentary membership is available from Bankwest if you join at qantas.com/joinffbankwest. Membership and the earning and redemption of points are subject to the terms and conditions of the Qantas Frequent Flyer program. Qantas Points are earned in accordance with and subject to the Bankwest Qantas Rewards Terms and Conditions (PDF).

Get exclusive deals, discounts and cashback when shopping with your credit card accessible via the Westpac App. Whether you love taking a holiday, shopping or eating out, earn points with our Platinum and Black rewards cards to do what you enjoy most. There is no quick fix, improving your credit score will take time.

Rewards credit cards

A balance transfer can take between 3-15 business days to process once your card has been activated. The standard balance transfers annual percentage rate is currently for ANZ Low Rate Card and is subject to change. Payments to your account are applied in accordance with the ANZ Credit Cards Conditions of Use (PDF). The annual fee for ANZ First is currently $30, the standard annual interest rate is on the purchases balance, on the cash advances balance and on the standard balance transfers balance as at  and is subject to change. For applicable fees and charges please see the ANZ Consumer Credit Cards Fees and Charges (PDF).

Altitude Rewards Platinum

Refunds and reversals processed during the period will be deducted from your total purchases (even if they relate to transactions in a previous period). If you do not make at least $20,000 of eligible purchases, excluding refunds and reversals, in the year prior to your fee date, the annual fee will be charged to your account. It is available to new applicants or existing ANZ Frequent Flyer credit card account holders who are not already Qantas Frequent Flyer members and who apply for membership online at the Qantas website.

• A balance transfer can take between 3-15 business days to process once your card has been activated.
• Standard annual interest rate is  on the purchases balance,  on the cash advances balance and  on the standard balance transfers balance as at  and is subject to change.
• Cash advances, gambling transactions, balance transfers, purchases on a promotional offer and purchases made more than 30 days prior aren’t eligible.
• Interest free periods on purchases do not apply if you do not pay the Closing Balance (or if applicable, your ‘Adjusted Closing Balance’) shown on each statement in full by the applicable due date.
• When you take out a credit card you agree to pay back the money you borrow plus any applicable interest, fees and charges.

For ANZ Rewards Platinum, a total annual fee of $149 applies, which includes a $94 Annual Fee and a $55 Rewards Program Service Fee. For ANZ Rewards Black, a total annual fee of $375 applies, which includes a $320 Annual Fee and a $55 Rewards Program Service Fee. For Additional Cardholders on ANZ Rewards Platinum and ANZ Rewards Black, an annual Additional Cardholder Fee of $10 and an annual Rewards Program Services Fee of $55 will apply per Additional Cardholder on the account.