Westpac Low Rate Card (Existing Customers)

$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

Open credit card website

No annual fee

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

Summary

No Annual Fee

Key Highlights

• No annual fee

Notes

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

Offer Details

Cash Bonus

$350Cashback

Ongoing Earn Rate

0.00x points per $1 spent

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.

Benefits

Buy Now Pay Later

Split purchases over $100 into 4 payments over 6 weeks with the PartPay feature on the credit card.

Online Banking Features

Manage the credit card in the Westpac App with features to help budget, save, and stay on top of finances.

No Annual Fee

First year card fee waived for existing Westpac customers when approved for a new Low Rate credit card.

Balance Transfer Offers

0% p.a. for 24 months on balance transfers requested at card application with a 2% balance transfer fee.

Interest Free Periods

Up to 55 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date.

No Additional Cardholder Fee

One additional cardholder (16 years or older) can be added at no extra cost.

Digital Wallet Integration

Card can be added to Apple Pay, Samsung Pay, and Google Pay for digital payments.

Digital Card Issuance

Instant digital card activation and use in the Westpac App from the moment the account is opened, before the physical card arrives.

Expert Analysis

Bonus Difficulty

Easy

●○○

$33 per day required

First Year Cost

Free

annual fee

Earn Rate

Poor

●○○○

0.00x Westpac points per $1

RWRDS Insight

This analysis is generated using RWRDS algorithms based on current market data, bonus structures, and fee schedules. Values are estimates and actual results may vary. Consider your spending patterns and reward preferences when evaluating offers.

I'd like to use my 0 bonus points for:

Supermarket Gift Cards Singapore Airlines

$350 of profit after meeting spend requirements

+ $350 cashback extra bonus

- $0

annual fee

History

23/01/2025

3 changes

Successfully Scraped At:

29/08/2025

Expiration Date:

30/04/2025

Interest Rate:

1413.74

Bonus Cash changed from 250 to 350
a year 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
a year 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
2 years ago
Changed from 4 months, to 5 months of $50 per month cashback
3 years ago