Westpac Low Rate Card (Existing Customers)
Offer Details
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.
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
- Bonus Cash changed from 250 to 3502 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 approval2 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 cashback3 years ago