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Westpac Low Rate

  • interest rate

    13.24 %
  • annual fees

    $45

  • interest free days

    55

  • rewards program

    no

  • balance transfer rate

    1.99% for 9 months and then 21.24%

Westpac's overall rating for credit cards is

6.5

(as rated by the Mozo community)

Rates

Purchase rate
13.24%
Intro purchase rate
none
Intro rate term
none
Balance transfer rate
1.99% for 9 months and then 21.24%
Balance transfer term
9 Months
Balance transfer revert to cash
yes
Cash advance rate
21.24%
Interest free days
55

Other financial bits

Minimum repayment amount
$10.00
Minimum repayment percent
2.0

Fees

Annual fees
$45
Intro annual fee waiver
none
Annual fee spend threshold
none
Reward program fee
none
Late payment fee
$9.00
Overlimit fee
$9.00
Cash advance fee
2%, Min $2.50, Max $150
Foreign exchange margin
2.50%
Duplicate statement fee
$7.50
Transaction verification fee
none
Additional card fee
$0.00
Establishment fee
none

Features

Additional cardholders
1
Other restrictions
none
Other benefits
none

This is how the Mozo community has rated Westpac for credit cards.

Product Type Overall Price Features Service Convenience Trust
Overall 6.5 5.4 5.6 6.4 7.3 6.5
Westpac credit cards 6.5 1267 REVIEWS 5.4 5.6 6.4 7.3 6.5

Westpac

As Australia’s first bank, Westpac has been serving customers since 1817! Now Westpac is set to merge with St George to create Australia’s largest financial services company. Westpac customers will benefit from things like being able to use both banks’ ATM networks without paying any extra fees. So if you’re after the security offered by a major bank, check out Westpac’s range of savings accounts, home loans, personal loans, credit cards and other banking services.

Some recent reviews of Westpac credit cards

A Mozo reviewer from Queensland, a Westpac credit card customer. 7Overall Rating
  i like this product because of the low interest rate. Reviewed about 3 hours ago  
  • 8Pricing
  • 6Product Features
  • 9Customer Service
  • 7Convenience
  • 9Trust
Caroline from Western Australia, a Westpac credit card customer. 8Overall Rating
  Love the rewards and the service. All staff are helpful and falcon security monitors 24/7 for fraudulent transactions. They are on to the dodgies immediately Reviewed about 3 hours ago  
  • 10Pricing
  • 10Product Features
  • 8Customer Service
  • 7Convenience
  • 8Trust
A Mozo reviewer from New South Wales, a Westpac credit card customer. 5Overall Rating
  They have been helpful Reviewed about 3 hours ago  
  • 5Pricing
  • 5Product Features
  • 5Customer Service
  • 5Convenience
  • 5Trust
A Mozo reviewer from New South Wales, a Westpac credit card customer. 10Overall Rating
  when i need help with any of my accounts i can ring a number and find the help straight away Reviewed about 3 hours ago  
  • 10Pricing
  • 10Product Features
  • 10Customer Service
  • 10Convenience
  • 10Trust
A Mozo reviewer from Victoria, a Westpac credit card customer. 5Overall Rating
  The card has been reasonably good, but the interest rates do change without notice and when they dropped the interest rates to a percentage rate that was 2-3% lower they did not inform me that the option existed. Also they did not offer me the drop in interest rate until I contacted them about it after seeing an ad for the card. Then to change to the lower interest rate required changing account numbers. Since then they have been progressively increasing the rate with out any real notice or warning. This would be my main gripe. Reviewed 1 day ago  
  • 4Pricing
  • 3Product Features
  • 6Customer Service
  • 7Convenience
  • 6Trust
 

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