I personally advise friends against choosing westpac, especially if you have a mortgage. they have the worst break fees and the highest floating rates. their credit card points schemes also worked out at the worst value even though they give you a 'free' amex too.
I used to be with ANZ for personal banking, national for business account. neither really stood out, but were adequate options.
I have a credit card with bnz. love the credit card and the benefits/points earning (globalplus) *hate* the netguard system where you have to carry a card of codes to log on to their internet site.