Westpac's Low Rate credit card offers customers fantastic low rates, no frills and modern and accessible features. It even comes with a 0% balance transfer offer for 16 months which may appeal to Aussies looking to ditch their credit card debt.
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 13.74% ongoing purchase interest rate, and up to 55 interest free days, this piece of plastic is certainly easy on your budget.
And at the moment, you'll be be able to blast debt, thanks to the 0% balance transfer offer for the first 16 months (then 21.49%), available until 05 August 2020.
You can use the card overseas or shopping online wherever Mastercard is accepted and it comes with Mastercard Tap & go functionality so for purchases under $100. All foreign transactions will have a 3% foreign exchange margin added to the Australian dollar amount.
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.
Remember that cash advances won't get the low standard interest rate but the much higher 19.49% cash advance rate.
13.74% p.a.
none
0% p.a. for 16 months and then 21.49% p.a. (0% balance transfer fee)
yes
21.49% p.a.
55
$59.00
none
none
none
$15.00
2%, Min $2.50, Max $150
3.00%
$2.00
none
$0.00
$10.00
2.0
1
none
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
I have applied for credit card with balance transfer, it took me 6 weeks to get the card and 3 weeks after activating my card, still the application team in the Philippines can't tell me what is wrong with the process and why it hasn't happened. Absolute waste of time. Don't come close to Westpac bank.
Read full reviewI have applied for credit card with balance transfer, it took me 6 weeks to get the card and 3 weeks after activating my card, still the application team in the Philippines can't tell me what is wrong with the process and why it hasn't happened. Absolute waste of time. Don't come close to Westpac bank.
First credit card, regret it due to ridiculous fees.
Read full reviewFirst credit card, regret it due to ridiculous fees.
The worst bank for understanding customer needs.
Read full reviewThe worst bank for understanding customer needs.
They don’t have a great reward program compared to other credit card providers.
Read full reviewThey don’t have a great reward program compared to other credit card providers.
No problems, been with them for years.
Read full reviewNo problems, been with them for years.
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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