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 20 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, 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.
Westpac is also offering $200 cash-back when new Low Rate card holders spend at least $1,000 on eligible purchases in the first 90 days of the card being approved also available until 3 December, 2020!
And at the moment, new card applicants will be able to blast debt, thanks to the 0% balance transfer offer for the first 20 months (then 21.49%), available until 3 December, 2020. Remember, there is a 1.00% set-up fee on the balance transfer.
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 cash advances won't get the low standard interest rate, but the much higher 21.49%. And don't forget that 1.00% fee on the balance transfer.
13.74% p.a.
none
0% p.a. for 20 months and then 21.49% p.a. (1.00% 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
Receive $200 cashback when you spend at least $1,000 on eligible purchases within 90 days of card approval for new applications made by 2 December 2020.
I dislike this bank because at first I thought it wanted to help us in our time of need, but now I realise that the only thing the bank/s cares about is profit.
Read full reviewI dislike this bank because at first I thought it wanted to help us in our time of need, but now I realise that the only thing the bank/s cares about is profit.
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.
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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20.49% p.a.
0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)
$150 $99 in the first year
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Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
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13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
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Platinum Credit Card
19.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$149 $0 in the first year
CUA Platinum Rewards
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Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
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0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
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Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
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Amplify Platinum
Qantas Frequent Flyer
$99
60,000
0.5 points uncapped
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Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
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NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
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Altitude Black
Altitude Rewards
$250
150,000
1.25 points uncapped
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American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
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Bankwest More Rewards
$160
75,000
2 points up to 400,000 points/year
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Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
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Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
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Westpac
Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
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Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
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Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
0.90% p.a. for 15 months then 14.99% p.a.
$99
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CUA
Platinum Credit Card
0% p.a. for 13 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
CUA Platinum Rewards
Promoted
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
Promoted
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Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
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Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
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Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
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CUA
Low Rate Credit Card
11.99% p.a.
0% p.a. for 13 months and then 21.74% p.a.
$49 $0 in the first year
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St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
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Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
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Breeze Platinum Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$69
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Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
