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Westpac

Low Rate Credit Card

Rates and fees information correct as of March 1st 2017.

Benefits & Features of the Westpac Low Rate Credit Card

Essentials for the Westpac Low Rate Credit Card

Trim your costs. Get back to enjoying life.

Special Offer for Existing Westpac Customers

$0 annual fee in the first year when you apply via the Westpac customers 'Apply now' button.

Features for the Westpac Low Rate Credit Card

Interest free days

Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) by the statement due date each month.

Additional cardholder

Add one additional cardholder (16 years or older) at no extra cost. The account holder (primary cardholder) is liable for all transactions made on the primary card as well as the transactions made on any additional cards associated with the account.

More reasons to choose a Westpac credit card

When you combine your Westpac Low Rate credit card with our online banking experience you can:

See your card balance at a glance with Quick Balance
Login quickly and securely using fingerprint login
Leave your card at home and tap and pay using an eligible Samsung device
Make automatic credit card repayments easy, with Card Autopay
Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds.

Security

❍ Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
❍ Feel secure, with our Fraud Money Back Guarantee
❍ Enjoy the convenience of tap and pay, with the security of a microchip.

Rates and Fees:
Purchase Interest Rate
13.49% p.a.
Cash Advance Rate
21.49% p.a.
Annual Fee
$59
Balance Transfer Fee
There is a balance transfer fee of 2%.
Minimum Repayments
2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
Late Payment Fee
$9
Special Offers:

Balance Transfer Offers
0% for 12 months with a revert rate of 13.49% p.a.
Introductory Purchase Rate Offers
0% for 6 months with a revert rate of 13.49% p.a.
Other Special Offers
$0 annual fee in the first year for existing Westpac customers.

Rewards:
Rewards Available
Perks:
Max Interest Free Days
55
Travel Insurance
VIP Treatment
Overseas Spending:
Currency Conversion Fee
3%
OS ATM Charges
$2.5 or 2% the higher of
Est ATM Cost
$15.00 for AU$300 withdrawal
Credit Limits:
Minimum Credit Limit
$1,000
Maximum Credit Limit
No Limit
Security:
Security & Protection
As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity: CardShield™ helps defend against fraudulent activity. Increased credit card security where your card comes with an embedded microchip. Extra security when you shop at participating online retailers with Verified by Visa, the Westpac Added Online Security service. Falcon® Fraud Protection 24/7.
Quick Comparison:

The Westpac Low Rate Credit Card has the 63rd lowest interest rate of 13.49% (1 other has the same) and the 57th highest cash advance rate at 21.49% (10 others have the same) compared to 171 other credit cards. 81 cards have a lower annual fee than $59 (9 have the same) and 53 have a lower or the same late payment fee of $9.

From Westpac site:

Our Low Rate credit card provides a low interest purchase rate plus a low annual fee to help trim your credit card costs.
Download Key Facts Sheet* ⇣Go to Site ⇢

* Key fact sheet is link from Westpac website. (WEBSITE LINK)

Apply Online ⇢ Compare Credit Card
About Westpac:

Westpac Banking Corporation, more commonly known as Westpac, is an Australian bank and financial-services provider headquartered in Westpac Place, Sydney. It is one of Australia's "big four" banks. Its name is a portmanteau of "Western-Pacific".

As of November 2015, Westpac has 13.1 million customers, and is Australia's largest branch network, with 1429 branches and a network of 3850 ATMs. The bank is Australia's second-largest bank by assets. It is also the second-largest bank in New Zealand.

On 29 January 2015, Bank South Pacific announced that it had entered into an agreement to acquire Westpac's banking operations in Samoa, Cook Islands, Solomon Islands, Vanuatu and Tonga for A$125 million.

More about Westpac from Wikipedia

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Purchase Rate:
13.24% p.a.
Cash Advance Rate:
21.24% p.a.
Annual Fee:
$59
Special offers: You could win a $5,000 Flight Centre gift card. Simply apply for a new CommBank credit card by 30 April 2017 and activate your card for a chance to win.*

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Purchase Rate:
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Cash Advance Rate:
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Annual Fee:
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Balance transfer offer:
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Visa Silver
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Purchase Rate:
11.95% p.a.
Cash Advance Rate:
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Annual Fee:
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Balance transfer offer:
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Intro purchase rate offer:
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Light Visa Credit Card
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Purchase Rate:
11.99% p.a.
Cash Advance Rate:
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Annual Fee:
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Balance transfer offer:
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Vertigo Platinum Card
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Purchase Rate:
12.74% p.a.
Cash Advance Rate:
21.49% p.a.
Annual Fee:
$99
Balance transfer offer:
0% for 12 months then 12.74%
Intro purchase rate offer:
0% for 6 months then 12.74%
Special offers: $0 annual fee for the first year for existing BankSA customers.

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Vertigo Platinum Card
St.George Bank Vertigo Platinum Card

Purchase Rate:
12.74% p.a.
Cash Advance Rate:
21.49% p.a.
Annual Fee:
$99
Balance transfer offer:
0% for 12 months then 12.74%
Intro purchase rate offer:
0% for 6 months then 12.74%
Special offers: $0 annual fee for the first year for existing St.George customers.

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Compare Westpac Low Rate Credit Card
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