Click the green tabs to expand the sections. To close a section, just click the green tab again.
WestpacAs 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. |
![]() |
|
|---|---|---|
| Westpac Low Rate | ||
| Overall Customer Rating | 6.5#9 BASED ON 902 REVIEWS |
|
| Price Rating | 5.4 | |
| Features Rating | 5.8 | |
| Service Rating | 6.3 | |
| Convenience Rating | 7.2 | |
| Trust Rating | 6.5 | |
| What next? |
| Westpac Low Rate | ||
| Purchase Rate | 12.74% | |
| Intro Purchase Rate | ||
| Intro Rate Term | ||
| Balance Transfer Rate | 1.99% for 9 months and then 20.74% | |
| Balance Transfer Term | 9 Months | |
| Balance Transfer Revert To Cash | yes | |
| Cash Advance Rate | 20.74% | |
| Interest Free Days | 55 | |
| What next? |
*Approximate cost in interest and fees over 3 years, assuming a $3,000.00 balance. Includes introductory offers.
| Westpac Low Rate | ||
| Annual Fee | $45.00 | |
| Intro Annual Fee Waiver | ||
| Annual Fee Spend Threshold | ||
| Reward Program Fee | ||
| 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 | ||
| Additional Card Fee | $0.00 | |
| Establishment Fee | ||
| What next? |
| Westpac Low Rate | ||
| Minimum Repayment Amount | $10.00 | |
| Minimum Repayment Percent | 2.0 | |
| What next? |
| Westpac Low Rate | ||
| Additional Cardholders | 1 | |
| Travel Insurance | no | |
| Purchase Insurance | no | |
| Extended Warranty | no | |
| Other Restrictions | ||
| Other Benefits | ||
| What next? |
| Westpac Low Rate | ||
| Program Name | ||
| Rewards Type | ||
| Points Per Dollar | ||
| Points Lifetime | ||
| Bonus Points Available | no | |
| Bonus Points Lifetime | ||
| Conversion To Frequent Flyers | no | |
| Points To Frequent Flyer Ratio | ||
| Domestic Airline Partners | ||
| International Airline Partners | ||
| What next? |
Overall Rating
8Pricing
5Product Features
2Customer Service
8Convenience
8Trust
8I don't like the annual fees and no rewards. – Noor from Victoria, a Westpac credit card customer. Reviewed about 17 hours ago
Overall Rating
7Pricing
8Product Features
6Customer Service
6Convenience
7Trust
7Fee-free for many ATM services. – Chris from New South Wales, a Westpac credit card customer. Reviewed about 18 hours ago
Overall Rating
8Pricing
7Product Features
7Customer Service
9Convenience
9Trust
9A sound, competitive product. – Wayne from Tasmania, a Westpac credit card customer. Reviewed about 19 hours ago
Overall Rating
9Pricing
8Product Features
8Customer Service
9Convenience
8Trust
9Great product and have been a customer for 8 years. – Karin from New South Wales, a Westpac credit card customer. Reviewed about 19 hours ago
Overall Rating
7Pricing
8Product Features
4Customer Service
10Convenience
10Trust
9i like how easy it is to pay off online and transfer funds using atm – Rawan from New South Wales, a Westpac credit card customer. Reviewed 13 days ago
See all Westpac credit card reviews
Find more credit cards by visiting our compare credit cards page.
Follow Mozo on: