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.
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.
❍ 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
Cash Advance Rate
Balance Transfer Fee
There is a balance transfer fee of 2%.
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
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.
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.
Max Interest Free Days
Currency Conversion Fee
OS ATM Charges
$2.5 or 2% the higher of
Est ATM Cost
$15.00 for AU$300 withdrawal
Minimum Credit Limit
Maximum Credit Limit
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.
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