Card

Westpac Low Rate Card

Offer

Westpac Low Rate Card (Existing Customers)

For existing customers

Selected terms version

Ended. These terms are no longer available.

Published 23 Jan 2025

View current offer terms Offer terms history

$0 first year annual fee

0 points

$500 min limit

$30,000 annual income required

0.00 points per dollar

Spend $7,000 in 210 days

This offer is currently unavailable.

Source wording history

Offer terms

No Annual FeeOffer Ended

Cash Bonus

$350Cashback

Fees

First Year Annual Fee

Free

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:

Singapore Airlines

Craig'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

Free

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 →

No annual fee

$50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval

Offer terms history

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

Terms version 5

Available

Published 2 Oct 2026

Changes from terms version 4

Spend For Bonus:

6,0000

Bonus Period:

1800

Bonus Cash:

$450$0

Bonus Cash Description:

Cashback

Notes:

$75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval First year card fee waived for existing Westpac customers, then $7/month.First year card fee waived for existing Westpac customers, then $7/month.

Terms version 4

Ended

Published 1 Jul 2026

Ended 2 Oct 2026

Changes from terms version 3

Annual Fee:

Second Year Annual Fee:

$59

Monthly Fee:

Notes:

$50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval$75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval First year card fee waived for existing Westpac customers, then $7/month.

Terms version 3

Ended

Published 10 Jun 2026

Ended 1 Jul 2026

Changes from terms version 2

Spend For Bonus:

7,0006,000

Bonus Period:

210180

Bonus Cash:

$350$450

Terms version 2

Ended

Published 23 Jan 2025

Ended 10 Jun 2026

Changes from terms version 1

Interest Rate:

14.0013.74

Expiration Date:

30 Apr 2025

Terms version 1

Ended

Published 30 Jun 2024

Ended 23 Jan 2025

First recorded terms

Bonus Cash:

$350

Annual Fee:

Minimum Spend:

$7,000 in 210 days

Saved notes

Earlier notes about this offer. Note dates are separate from terms publication dates.

Bonus Cash changed from 250 to 350
3 years ago
Expiration changed from 30/04/24 to 31/07/24, Bonus Cash from 250 to 350, Notes from $50 cashback for each month you spend $1,000 or more on eligible purchases in the first 5 months from card approval to $50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval
3 years ago
Expiration changed from 01/11/23 to 30/04/24, Spend For Bonus from $5000 to $7000, Bonus Period from 150 to 210 days
3 years ago
Changed from 4 months, to 5 months of $50 per month cashback
4 years ago