Card
Offer
Westpac Low Rate Card (Existing Customers)
For existing customers
Selected terms version
Ended. These terms are no longer available.
Published 10 Jun 2026
View current offer termsOffer terms historyThis offer is currently unavailable.
Source wording historyOffer terms
Cash Bonus
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.
Recorded benefits
- Buy Now Pay Later
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PartPay: split purchases over $100 into 4 payments over 6 weeks
- Installment Plans
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SmartPlan: turn purchase, cash advance or promotional plan balances of $200 or more into a repayment plan over regular monthly instalments; requires Online Banking registration; fees may apply
- Balance Transfer Offers
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0% p.a. for 20 months on balance transfers requested at card application (from up to 3 non-Westpac Australian cards); 3% balance transfer fee; reverts to variable cash advance rate (21.99% p.a.) after the promotional period
- Interest Free Periods
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Up to 55 interest-free days on purchases when the Closing Balance (or Monthly Payment Balance if you have a balance transfer, SmartPlan or PartPay) is paid in full by the payment due date
- No Annual Fee
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First year $59 annual card fee waived for existing Westpac customers; $59 ongoing annual card fee thereafter
- No Additional Cardholder Fee
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Add 1 additional cardholder (16 years or older) at no extra cost
- Digital Wallet Integration
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Supports Apple Pay, Samsung Pay and Google Pay
- Digital Card Issuance
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Activate and instantly use a Digital Card in the Westpac App from the moment the account is opened; Dynamic CVC 3-digit number changes every 24 hours for fraud protection
- Online Banking Features
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Manage the credit card in the Westpac App with budgeting and savings features; Westpac Added Online Security and Fraud Money Back Guarantee for unauthorised transactions
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:
Craig's AnalysisBonus 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?
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 →$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.
Published 2 Oct 2026
Changes from terms version 4
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Saved notes
Earlier notes about this offer. Note dates are separate from terms publication dates.
- Bonus Cash changed from 250 to 3503 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 approval3 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 days3 years ago
- Changed from 4 months, to 5 months of $50 per month cashback4 years ago