Westpac Low Rate

Purchase Rate

13.74 %
p.a.
Cash Advance Rate
21.49% p.a.
Interest Free
Up to 55 days
Annual Fee
$59.00
Balance Transfer Rate
0% p.a.
for first 16 months
  • Pay no interest for 16 months on balance transfers requested at card application. No balance transfer fee. After 16 months, the rate reverts to the variable cash advance rate.#
  • Offer ends 31 March 2020.
  • 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.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance
Terms & Conditions
#Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 16th October 2019 and midnight 31st March 2020, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 0% applies to the transferred balance(s). The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers. 1 SmartPlan : SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions available at westpac.com.au The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See Westpac SmartPlan Terms and Conditions (PDF 8MB) for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment. Android and Google Play are trademarks of Google Inc. Samsung, Galaxy S are trademarks of Samsung Electronics Co. Ltd. Westpac is the credit provider and credit licensee under National Consumer Credit Laws. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

* 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

Westpac Low Rate

Purchase Rate 13.74 % p.a.
Cash Advance Rate 21.49% p.a.
Interest Free Up to 55 days
Annual Fee $59.00
Balance Transfer Rate 0 % p.a. for first 16 months

Top Features

  • Pay no interest for 16 months on balance transfers requested at card application. No balance transfer fee. After 16 months, the rate reverts to the variable cash advance rate.#
  • Offer ends 31 March 2020.
Show More Top Features

More Information

Rewards Program
Overseas ATM Availability
Insurance Cover for Purchases
Automatic Travel Insurance
Annual Fee $59.00
Minimum Repayment Greater of 2% or $10.00
Annual Fee First Year $59.00
Interest Charged From PurchaseDate
Rewards Joining Fee -
Late Payment Fee $15.00
Supplementary Card Fee $0.00
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

#Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 16th October 2019 and midnight 31st March 2020, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 0% applies to the transferred balance(s). The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days do not apply to credit cards with balance transfers. 1 SmartPlan : SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions available at westpac.com.au The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See Westpac SmartPlan Terms and Conditions (PDF 8MB) for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment. Android and Google Play are trademarks of Google Inc. Samsung, Galaxy S are trademarks of Samsung Electronics Co. Ltd. Westpac is the credit provider and credit licensee under National Consumer Credit Laws. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

* 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).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.