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- Low Rate Card (Cashback offer)
Westpac Low Rate Card (Cashback offer)
- Cashback
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Get up to $350 Cashback when you take out a new Low Rate credit card. New cards only. T&Cs apply.
~ Ends in 3 months$50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval. $50 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.
Purchase rate p.a.
13.74%
Balance transfer rate
21.49%
Annual fee
$59
Westpac Low Rate Card (Cashback offer)
- Cashback
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
13.74%
Balance transfer rate
21.49%
Annual fee
$59
RateCity says
"Eligible customers can get up to $400 cashback when signing up for this flexible low rate credit card."
Pros and Cons
For Westpac Low Rate Card (Cashback offer)
Benefits
- Lower than average ongoing variable purchase rate
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- No reward program
Westpac Rate Credit Card overview
For Low Rate Card (Cashback offer)
Details
Card level
Standard
Card type
MasterCard
Interest free days
55
Minimum monthly repayment
2% or $10
Minimum credit limit
$500
Maximum credit limit
$50,000
Free supplementary cards
Instant approval
Target Market Determination
Visit Westpac Banking Corporation Ltd to view Target Market Determination.
Fees
Annual fee
$59
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$15
Over limit fee
$15
Duplicate statement fee
$2
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
13.74%
Cash advance rate
21.49%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
21.49%
Transfer limit
80%
of the approved credit limit
Balance transfer fee
Overseas spending
Foreign exchange fee
Overseas charges
$2.5
Estimated ATM cost
$11.5
for AU $300 withdrawal
Rewards
Program name
Rewards available
Eligibility
Minimum age
18
Minimum income
Eligibility conditions
You have a regular, verifiable income
Residency
Australia CitizenPermanent Resident
