Westpac Low Rate
13.74% p.a.
0% p.a. for 16 months and then 21.49% p.a. (0% balance transfer fee)
$59 $0 in the first year
n/a
Westpac Low Rate
13.74% p.a.
0% p.a. for 16 months and then 21.49% p.a. (0% balance transfer fee)
$59 $0 in the first year
n/a
Westpac Low Rate
13.74% p.a.
0% p.a. for 16 months and then 21.49% p.a. (0% balance transfer fee)
$59 $0 in the first year
n/a
Mozo Review Westpac Low Rate Review
Last updated: 17 October 2019.
What's hot:
No annual fee in the first year ($59 after)
0% balance transfer rate for the first 16 months
What's not:
21.49% cash advance rate
Mozo snapshot:
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.
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 13.74% 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 31 March 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.
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 28 January 2020 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
-
13.74% 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
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, Garmin Pay
Other benefits
No interest on Balance Transfers for 16 months available on request for new customers until 31 March 2020.
Customer Reviews
How are Westpac credit cards rated by the Mozo community?
Latest reviews of Westpac Low Rate
-
Westpac is terrible.
Terrible product and terrible customer service.
Read full reviewTerrible product and terrible customer service.
Price1/10Features1/10Customer service1/10Convenience2/10LessTrust1/10 -
Shop around.
Not the best, there must be better out there.
Read full reviewNot the best, there must be better out there.
Price5/10Features5/10Customer service3/10Convenience5/10LessTrust3/10 -
18 month interest free on transfer.
Pretty easy to navigate and the rate is reasonable.
Read full reviewPretty easy to navigate and the rate is reasonable.
Price8/10Features1/10Customer service8/10Convenience7/10LessTrust5/10 -
High fees, great customer service.
I have had a Credit Card with Westpac for over 10 years. Have found them helpful and friendly whenever there are any issues. Lots of fees that add up.
Read full reviewI have had a Credit Card with Westpac for over 10 years. Have found them helpful and friendly whenever there are any issues. Lots of fees that add up.
Price7/10Features1/10Customer service9/10Convenience9/10LessTrust8/10 -
Good choice for entry level.
A good low rate no frills card.
Read full reviewA good low rate no frills card.
Price7/10Features6/10Customer service8/10Convenience9/10LessTrust7/10
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.
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
12.99% p.a.
$99 $49 in the first year
Promoted
American Express
Velocity Platinum Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$375
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
Promoted
American Express
Qantas Discovery Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Promoted
NAB
Low Rate Card
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
0% p.a. for 6 months then 13.99% p.a.
$59
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months and then 20.99% p.a.
20.74% p.a.
$129
Promoted
American Express
Velocity Escape Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Promoted
American Express
Velocity Platinum Card
1.25 points per dollar on Amex, uncapped
20.74% p.a.
$375
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129 $64 in the first year
Promoted
American Express
Velocity Escape Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
NAB
Qantas Rewards Signature Card
1 point per dollar on Visa, up to $5,000 per month, then
0.5 points per dollar on Visa, up to $20,000 per month
19.99% p.a.
$395 $295 in the first year
Promoted
American Express
Qantas Discovery Card
0.75 points per dollar on Amex, uncapped
20.74% p.a.
$0
Promoted
David Jones
American Express Platinum Card
1 point per dollar on Amex, uncapped
20.74% p.a.
$295
Promoted
Heritage Bank
Platinum
0.002 points per dollar on Visa, uncapped
17.49% p.a.
$125 $0 when you spend over $35,000 p.a
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 22 months and then 20.99% p.a.
$129
20.74% p.a.
Promoted
American Express
Velocity Escape Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
20.74% p.a.
Promoted
Bankwest
Breeze Platinum Mastercard
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
$99 $49 in the first year
12.99% p.a.
Promoted
American Express
Qantas Discovery Card
0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
$0
20.74% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
0% p.a. for 14 months then 20.74% p.a.
Promoted
Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
$0
17.99% p.a.
Promoted
NAB
Low Rate Card
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
0% p.a. for 6 months then 13.99% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
0% p.a. for 6 months and then 20.99% p.a.
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
$59
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
Bankwest
Breeze Mastercard
12.99% p.a.
$79 $39 in the first year
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 15 months then 13.99% p.a.
$100
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
Bankwest
Breeze Platinum Mastercard
12.99% p.a.
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
$99 $49 in the first year
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
Bankwest
Breeze Mastercard
12.99% p.a.
0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
$79 $39 in the first year
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 15 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$100
