Westpac Low Rate
13.49% p.a.
0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
n/a
Westpac Low Rate
13.49% p.a.
0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
n/a
Westpac Low Rate
13.49% p.a.
0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
n/a
Mozo Review Westpac Low Rate Review
Last updated: 18 October 2018.
What's hot:
2018 Mozo Experts Choice winner
No annual fee in the first year ($59 after)
13.49% purchase rate
0% p.a on balance transfers for 24 months (1% BT fee applies)
What's not:
19.49% cash advance rate
Mozo snapshot:
Westpac's Low Rate credit card offers customers fantastic low rates, no frills and modern and accessible features. Plus, at the moment you can snag a 0% balance transfer offer of 24 months, one of the longest periods on the market (1% BT fee applies). These features have won this card a 2018 Mozo Experts Choice Best Balance Transfer Credit Card award.
Key features:
Westpac's Low Rate credit card is all about value. With a very reasonable annual fee of $59 which is waived in the first year, a low 13.49% ongoing purchase interest rate, and up to 55 interest free days, this piece of plastic is certainly easy on your budget.
If you have credit card debt to blast away, there's a balance transfer period of 0% for 24 months. Just remember that there's a 1% fee applied to this balance, plus, after this period, any leftover debt will start to attract interest at the higher cash advance rate of 19.49%.
You can use the card overseas or shopping online wherever Visa is accepted and it comes with Visa payWave functionality so for purchases under $100 you can tap and go. All foreign transactions will have a 3% foreign exchange margin added to the Australian dollar amount.
Who it's good for:
Westpac's Low Rate credit card is perfect for anyone looking for a no-frills card that is still affordable and good value for money.
Any catches?
Remember that cash advances won't get the low standard interest rate but the much higher 19.49% cash advance rate.
Details
Rates and fees information correct as at 22 January 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
13.49% p.a.
-
none
-
0% p.a. for 24 months and then 19.49% p.a. (1.00% balance transfer fee)
-
yes
-
19.49% p.a.
-
55
Fees
-
$59.00
-
$0 in the first 1 year
-
none
-
none
-
$15.00
-
2%, Min $2.50, Max $150
-
3.00%
-
$2.00
-
none
-
$0.00
Features
-
$10.00
-
2.0
-
1
-
none
Payment options
Google Pay, Samsung Pay, Fitbit
Customer Reviews
How are Westpac credit cards rated by the Mozo community?
Latest reviews of Westpac Low Rate
- Overall10/10
Excellent
Excellent
Read full review
Excellent
Price5/10Features-1/10Customer service10/10Convenience10/10Trust5/10Less
Denise | Western Australia
reviewed 4 months ago
- Overall8/10
Great customer service
Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of...
Read full review
Always great customer service. Being with Westpac for over 20 years, I feel a strong sense of trust and familiarity. However I dislike the fact that I’ve in no way been rewarded for being a long term customer.
Price5/10Features1/10Customer service8/10Convenience9/10Trust9/10Less
Chere | Western Australia
reviewed 4 months ago
- Overall1/10
Useless. Don't bank with them
Had my account fraudulently accessed and maxed out.
Read full review
Had my account fraudulently accessed and maxed out.
Price1/10Features2/10Customer service0/10Convenience0/10Trust0/10Less
Andrea | Victoria
reviewed 4 months ago
- Overall10/10
Excellent
Good rates.
Read full review
Good rates.
Price10/10Features9/10Customer service9/10Convenience10/10Trust10/10Less
Ernest | Western Australia
reviewed 11 months ago
- Overall10/10
Would recommended it to others
I changed to Westpac about 6years ago after I was having trouble with my old bank, have stayed...
Read full review
I changed to Westpac about 6years ago after I was having trouble with my old bank, have stayed with Westpac since.
Price8/10Features10/10Customer service10/10Convenience9/10Trust10/10Less
Sinita | Western Australia
reviewed about 1 year ago
About Westpac
As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.
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