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Westpac Low Rate Credit Card

The Westpac Low Rate Credit Card has one of the lowest purchase rates in the market at 13.49% p.a. and is offered in conjunction with a very competitive annual fee of just $59 p.a. 

Introductory Offer: 0% p.a. Balance Transfer for 18 months OR $200 Cashback when you spend $400 in 90 days from card approval

Offer conditions: Offer closes 26th October 2017, Balance Transfer fee of 2% applies, reverts to Purchase Rate after 18 months. This is one offer OR the other. There are no secondary offers with these either.

The Westpac Low Rate Credit Card not only delivers on value but comes packed with a generous range of benefits:

  • Up to 55 interest free days on purchases - providing you pay off your balance in full every month
  • Low minimum income eligibility - at $15,000 p.a.
  • Additional Card Holder - Add an additional card holder for $0, cardholders must be over 16 years of age
  • Card Security - covered by Cardshield and Fraud Protection by Falcon.
  • Visa payWave - providing the convenience of tap and go quick payments on transactions up to $100.
  • Card Security - Verified by Visa to protect your online payments.
  • Low annual fee - $59 p.a.
  • Quick On line application - Decision within 60 seconds
Credit Card Details
Provider Westpac
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 13.49%
Cash Advance Rate 21.49%
Interest Charged From Purchase date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate 0%
Balance Transfer Period 18 months
Balance Transfer Fee 2.00%
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer 0% p.a. Balance Transfer for 18 months OR $200 Cashback when you spend $400 in 90 days from card approval
Offer end date 26th October 2017
Rewards Program No
Rewards Points No
Acceptance Criteria
Age to Apply 18
Min. Income $15,000
Residency Australia
Temporary residents Yes with 457 Visa & $50,000 p.a. Income
Min. Credit Limit $500
Joint applicants No
Fees & Terms
Min. Monthly Repayment $10
Annual Fee $59
Over Limit Fee $15
Duplicate Statement fee $7.50
Late Payment Fee $15
Min. Monthly Repayment % 2%
Max. Credit Limit $30,000
Cash advance fee 2% of transaction value or a minimum charge of $10
Additional card holder fee $0
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee $5
Complimentary travel insurance No

What happens when I click "Go to site"?

  • 1

    Clicking Go to site will direct you to the providers web site

  • 2

    Complete the online application on the providers web site

  • 3

    Once approved the provider will issue your new product, delivery times will vary by provider.