Westpac Low Rate Card (Existing Customers)
Offer Details
Cash Bonus
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
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Split purchases over $100 into 4 payments over 6 weeks with the PartPay feature on the credit card.
- Online Banking Features
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Manage the credit card in the Westpac App with features to help budget, save, and stay on top of finances.
- No Annual Fee
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First year card fee waived for existing Westpac customers when approved for a new Low Rate credit card.
- Balance Transfer Offers
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0% p.a. for 24 months on balance transfers requested at card application with a 2% balance transfer fee.
- Interest Free Periods
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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
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One additional cardholder (16 years or older) can be added at no extra cost.
- Digital Wallet Integration
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Card can be added to Apple Pay, Samsung Pay, and Google Pay for digital payments.
- Digital Card Issuance
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Instant digital card activation and use in the Westpac App from the moment the account is opened, before the physical card arrives.
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
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$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