Westpac Low Rate

Click the green tabs to expand the sections. To close a section, just click the green tab again.

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.

Customer ratingsclick to open

		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?

Ratesclick to open

		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.

Feesclick to open

		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?

Other financial bitsclick to open

		Westpac Low Rate
Minimum Repayment Amount		$10.00
Minimum Repayment Percent		2.0
		What next?

Featuresclick to open

		Westpac Low Rate
Additional Cardholders		1
Travel Insurance		no
Purchase Insurance		no
Extended Warranty		no
Other Restrictions
Other Benefits
		What next?

Rewardsclick to open

		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?

Most recent reviews of Westpac credit cards

Overall Rating
8
Pricing
5
Product Features
2
Customer Service
8
Convenience
8
Trust
8

I don't like the annual fees and no rewards. – Noor from Victoria, a Westpac credit card customer. Reviewed about 17 hours ago

Overall Rating
7
Pricing
8
Product Features
6
Customer Service
6
Convenience
7
Trust
7

Fee-free for many ATM services. – Chris from New South Wales, a Westpac credit card customer. Reviewed about 18 hours ago

Overall Rating
8
Pricing
7
Product Features
7
Customer Service
9
Convenience
9
Trust
9

A sound, competitive product. – Wayne from Tasmania, a Westpac credit card customer. Reviewed about 19 hours ago

Overall Rating
9
Pricing
8
Product Features
8
Customer Service
9
Convenience
8
Trust
9

Great 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
7
Pricing
8
Product Features
4
Customer Service
10
Convenience
10
Trust
9

i 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.

Westpac also offers the following Credit cards

Other providers of credit cards

I'd like to...