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This card came with my mortgage and I have stayed with it because it is free as I pay off the outstanding balance in full every month. However, the rewards are 'expensive’ and they could do with revamping them. I like being able to pay off the card balance every month via internet banking.
I’d appreciate more opportunities to earn points, but the system is clear and easy to understand, and redeeming points online is simple and straightforward.
The phone-based customer support is always top notch, in my experience, and I’ve found the staff to be helpful. I think having the support of good staff makes up for the slightly less competitive rates and fees.
I mainly use the card as an emergency backup, and so trust in the system is my biggest priority.
Great rewards program and it’s easy to collect enough points to redeem for something in a short time. Rates and fees are reasonable. Westpac online is easy for checking your usage and tracking where your hard earned cash is going. I love the ability to lock your card online anytime you wish and unlock as many times as you wish.
This has been a good card, accepted everywhere, and the rewards points are gained easily. However, the credit card fee of $100 is quite high. I guess that’s how you pay for your rewards! I have my savings account linked to it, which is handy, so it’s two cards in one.
I found I am better off buying vouchers with my points than I am purchasing items in the online rewards store. You can get vouchers then negotiate better prices in stores. Do not cash in your points, as the money is way less than if you get value in vouchers.
Other than the high interest rate that is really in-excuseable, I have been happy with the service, extra credit when needed and rapid response to a PayPal/Ebay hack problem. Also the staff at Tamworth and Armidale branches have been wonderful, and the fully secure internet banking is simple to use and reliable.
Love this card. I’ve had it for many years. The rewards are awesome and no annual fees mean you can spend money on things that matter. Westpac is a bank that is standing up to its name. I have nothing but great things to say about them and what they represent.
Just another credit card that charges you interest and is another fund raiser for the bank. You will get charged loads of interest every time you buy something and then get charged extra every year just to have the card. Get one if you want everything you buy to cost you three times more than the asking price.
$100 annual fee a bit over the top just to have a credit card. I’ve had late payment fees even though I pay it in full every month. Rewards program is ok, but cant get Qantas points from the rewards points. Security is good – prompt phone call from suspicious transactions.
I initially got this card as Westpac was the provider of the Defence Home Loan. I keep my limit at $1,000 as I believe this is more than ample for day-to-day spending and paying off bills automatically. The interest rates on both purchases and cash advances are horrendous as the cash rate at this time is under 5%. I do not know how a rate of 21% on this card can be justified, but at the end of the day it serves its purpose.
|Interest rate||Period||Fee||Limit||Revert rate|
|Balance transfers||N/A||N/A||N/A||95% of credit limit||N/A|
|Purchases||0% p.a.||6 months||N/A||N/A||20.24% p.a.|
|Cash advances||1.73%||20.74% p.a.|
Waived Qantas Frequent Flyer joining fee
Valuation based on $89.50 Qantas Frequent Flyer joining fee spread over 5 years. Note that this benefit does not apply if cardholder chooses Altitude Rewards rather than Qantas Frequent Flyer points.
|Total estimated value||$18|
|Net customer value||$-82|