Westpac Rewards Calculator

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What is your monthly credit card spend on purchases?

$

What type of points
do you want to earn?

How would you split your spend between cards?

If your card use is

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Choose the right card
for you

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points per month

capped at {{ card.cap | number }}

points per statement cycle

no points cap

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  • Points per dollar on eligible purchases:
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  • Points Cap:
    {{ selectedCard.cap | number }} per statement cycle No cap
  • Annual Fee:
    ${{ selectedCard.fee | number }}
  • Min credit limit:
    ${{ selectedCard.minLimit | number }}
  • Variable interest rate:
    {{ selectedCard.rates.purchases }}% p.a. on purchases
    {{ selectedCard.rates.advances }}% p.a. on cash advances
Typical Credit Card Purchases

The table below shows typical Australian household monthly expenditure—you may find this helpful in working out how much you would spend on your credit card each month.

Fuel and Power $130
Food and non-alcoholic beverages $817
Alcoholic beverages $129
Tobacco products $50
Clothing and footware $178
Household furnishings and equipment $235
Household services and operation $272
Medical care and health expenses $262
Transport $771
Recreation $646
Personal care $96
Miscellaneous goods and services $466
Total: $4,052

As well as your regular purchases, consider larger less frequent purchases, like travel, that would increase your monthly spend when averaged out over a year.

*Source: Australian Bureau of Statistics Household Expenditure Survey 2009-2010