Flight value
Available — check the requirements below
spend $6,000 in 180 days
Available
I'd like to use my bonus for:
No recorded value for this reward use.
These terms are currently available (site published 12 Oct 2026).
Analysis unavailable - insufficient data
Can I get this?
This is an offer for existing customers.
Can I get this bonus if I have held a card before?
The bonus holding rule for this offer is unverified. Check the offer terms before applying.
See exclusion periods for every Australian issuer →What must I spend?
$6,000 within 180 days — about $1,000 per month. The terms on this page don't record when the clock starts or how long the bonus takes to arrive after you qualify — check the issuer terms for both.
Can I get the card?
$500 minimum credit limit — a lending commitment, not a reward fact.
$30,000 minimum annual income recorded.
Lending approval is separate from bonus eligibility: approval gets you the card, the conditions above get you the bonus.
How long is this available?
No recorded end date — this does not mean it never ends. Availability is rechecked against the issuer page.
What else makes the card useful?
Account management
Tools for running the account — repayment helpers, not reward value.
- Buy Now Pay Later Compare across cards →PartPay: split purchases over $100 into 4 payments over 6 weeks
Check applicable charges and eligibility.
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PartPay: split purchases over $100 into 4 payments over 6 weeks
No source recorded for this benefit.Learn more - Installment Plans Compare across cards →SmartPlan: turn purchase, cash advance or promotional plan balances of $200 or more into a repayment plan over regular monthly instalments; requires Online Banking registration; fees may apply
Check applicable charges and eligibility — a repayment plan, not reward value.
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SmartPlan: turn purchase, cash advance or promotional plan balances of $200 or more into a repayment plan over regular monthly instalments; requires Online Banking registration; fees may apply
No source recorded for this benefit.Learn more - Balance Transfer Offers Compare across cards →0% p.a. for 20 months on balance transfers requested at card application (from up to 3 non-Westpac Australian cards); 3% balance transfer fee; reverts to variable cash advance rate (21.99% p.a.) after the promotional period
Check the rate, period, revert rate, and fees.
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0% p.a. for 20 months on balance transfers requested at card application (from up to 3 non-Westpac Australian cards); 3% balance transfer fee; reverts to variable cash advance rate (21.99% p.a.) after the promotional period
No source recorded for this benefit. - Interest Free Periods Compare across cards →Up to 55 interest-free days on purchases when the Closing Balance (or Monthly Payment Balance if you have a balance transfer, SmartPlan or PartPay) is paid in full by the payment due date
Interest-free terms change often — confirm the current days with the issuer before applying. This recorded term may be out of date.
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Up to 55 interest-free days on purchases when the Closing Balance (or Monthly Payment Balance if you have a balance transfer, SmartPlan or PartPay) is paid in full by the payment due date
No source recorded for this benefit. - No Annual Fee Compare across cards →First year $59 annual card fee waived for existing Westpac customers; $59 ongoing annual card fee thereafter
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First year $59 annual card fee waived for existing Westpac customers; $59 ongoing annual card fee thereafter
No source recorded for this benefit. - No Additional Cardholder Fee Compare across cards →Add 1 additional cardholder (16 years or older) at no extra cost
Check account liability and age or redemption restrictions.
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Add 1 additional cardholder (16 years or older) at no extra cost
No source recorded for this benefit. - Digital Wallet Integration Compare across cards →Supports Apple Pay, Samsung Pay and Google Pay
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Supports Apple Pay, Samsung Pay and Google Pay
No source recorded for this benefit. - Digital Card Issuance Compare across cards →Activate and instantly use a Digital Card in the Westpac App from the moment the account is opened; Dynamic CVC 3-digit number changes every 24 hours for fraud protection
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Activate and instantly use a Digital Card in the Westpac App from the moment the account is opened; Dynamic CVC 3-digit number changes every 24 hours for fraud protection
No source recorded for this benefit. - Online Banking Features Compare across cards →Manage the credit card in the Westpac App with budgeting and savings features; Westpac Added Online Security and Fraud Money Back Guarantee for unauthorised transactions
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Manage the credit card in the Westpac App with budgeting and savings features; Westpac Added Online Security and Fraud Money Back Guarantee for unauthorised transactions
No source recorded for this benefit.
Should I keep it after the first year?
Renewal costs $84 each year ($7/month annualised) — first year was $56.
No second-year bonus recorded — renewal buys ongoing earn and the card's benefits only.
Keeping pays off only if the ongoing earn and benefits are worth $84/yr to you.
Year-two points aren't dollar-valued here: the redemption catalogue may change before renewal, so recheck the rate then.
First year card fee waived for existing Westpac customers, then $7/month.
Terms and evidence
Full current terms
Offer terms
Cash Bonus
Fees
Monthly Fee
$7 per month
Equivalent to $84 annually
Purchase Interest Rate
13.74% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefit history (8 changes)
- Buy Now Pay LaterUpdated May 2026
- Digital Card IssuanceUpdated May 2026
- Digital Wallet IntegrationUpdated May 2026
- No Additional Cardholder FeeUpdated May 2026
- Interest Free PeriodsUpdated May 2026
- Balance Transfer OffersUpdated May 2026
- No Annual FeeUpdated May 2026
- Online Banking FeaturesUpdated May 2026
Offer terms history
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Published 12 Oct 2026
Changes from terms version 7
Changes from terms version 6
Changes from terms version 5
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Bonus Cash changed from 250 to 3503 years ago
- Expiration changed from 30/04/24 to 31/07/24, Bonus Cash from 250 to 350, Notes from $50 cashback for each month you spend $1,000 or more on eligible purchases in the first 5 months from card approval to $50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval3 years ago
- Expiration changed from 01/11/23 to 30/04/24, Spend For Bonus from $5000 to $7000, Bonus Period from 150 to 210 days3 years ago
- Changed from 4 months, to 5 months of $50 per month cashback4 years ago
Discussion
About the current terms (published 12 Oct 2026).
Community and personal tools
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