Card

Westpac Low Rate Card

Offer

Westpac Low Rate Card

Public offer

Selected terms version

Ended. These terms are no longer available.

Unknown publication date

View current offer termsOffer 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