Card

Westpac Low Rate Card

Offer

Westpac Low Rate Card

Public offer

Last published terms

Ended. These terms are no longer available.

Unknown publication date

Offer terms history
$59 first year annual fee
0 points
$500 min limit
$30,000 annual income required
0.00 points per dollar
Spend $4,000 in 120 days

This offer is currently unavailable.

Source wording history

Offer terms

Low FeeOffer Ended

Cash Bonus

$400Cashback

Offer Expires

April 30, 2024

2 years ago

Fees

First Year Annual Fee

$59

Ongoing Annual Fee

$59

From year 2 onwards

Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.

Benefit history

  • Buy Now Pay LaterUpdated May 2026
  • Digital Card IssuanceUpdated May 2026
  • Digital Wallet IntegrationUpdated May 2026
  • No Additional Cardholder FeeUpdated May 2026
  • Interest Free PeriodsUpdated May 2026
  • Balance Transfer OffersUpdated May 2026
  • No Annual FeeUpdated May 2026
  • Online Banking FeaturesUpdated May 2026

I'd like to use my bonus for:

CraigCraig's Analysis

Sydney → Singapore · Business (72,000 pts/way)

0% of one way trip

Points via Singapore Airlines

Bonus Difficulty

Easy

●○○

$33 per day required

First Year Cost

$59

annual fee

Earn Rate

Poor

●○○○

0.00x Westpac points per $1

Did this help you make a decision?

0 Krisflyer miles
0 miles per dollar
Points transfer 3 Westpac points 1 Krisflyer miles

Can I get this bonus if I've had a card from Westpac before?

You generally need to wait 24 months after your last Westpac sign-up bonus before you can earn this one.

See exclusion periods for every Australian issuer →

Offer terms history

These are published versions of this offer's terms. Each version preserves the conditions available at that time.

Unknown publication date

First recorded terms

Bonus Cash:
$400
Annual Fee:
$59
Minimum Spend:
$4,000 in 120 days
Craig

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— Craig