Westpac
Westpac

Westpac Low Rate

Purchase Rate
13.74% p.a.
Cash Advance Rate
21.49% p.a.
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Interest Free
Up to 55 days
Annual Fee
$59.00
Balance Transfer Rate
6.99% p.a. for first 12 months
  • You get up to $400 cashback when you take out a new Low Rate Credit Card. $100 cashback will be awarded for every month $1000 or more is spent on Eligible purchases for the first four statement periods from card approval.
  • Eligibility criteria and T&Cs apply. + $59 annual fee.
  • Up to 55 days interest free on purchases when you pay the closing balance of your statement in full by the statement due date.
  • Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.

Key Features
Rewards Program
Rewards
Joining Fee
-
Annual Fee
$59.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Fee & Repayments

Annual Fee $59.00
Annual Fee First Year $59.00
Rewards Joining Fee -
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $10.00
Interest Charged From PurchaseDate
Late Payment Fee $15.00

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $0.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $15.00
Overseas Emergency Card Replacement Fee $0.00
Terms & Conditions
Credit criteria, fees and charges apply. Switches, upgrades or Westpac group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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