+ Added

[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](/web-accessibility) [Skip to search input](#search) 

+ Added

Toggle menu here Menu 
* [Contact us](/contact-us?fid=GL:GPH:None:wbc:www:contact-us)
* [Locate us](/locateus?fid=GL:GPH:None:wbc:www:locateus)
* [Lost or stolen cards](/personal-banking/online-banking/making-the-most/lost-stolen-card?fid=GL:GPH:None:wbc:www:pers:online-banking:making-the-most:lost-stolen-card)
* Register

* [Online Banking – Personal](/personal-banking/online-banking/getting-started?fid=GL:GPH:None:wbc:www:pers:online-banking:getting-started)
* [Online Banking – Business](/business-banking/online-banking/register?fid=GL:GPH:None:wbc:www:bus:online-banking:setting-up)
* [Corporate Online](/corporate-banking/corporate-online?fid=GL:GPH:None:wbc:www:corp:corporate-online)
* [Westpac Share Trading](/personal-banking/investments/share-trading?fid=GL:GPH:None:wbc:www:pers:investments:share-trading)
* [WinTrade](/business-banking/wintrade?fid=GL:GPH:None:wbc:www:bus:wintrade)
* [View all online services](/all-online-services?fid=GL:GPH:None:wbc:www:all-online-services)

[Westpac home page Westpac logo ](/) 

Search Close 

Search mic Go 

Sign in Online Banking - Personal Online Banking - Business Corporate Online Westpac Share Trading Westpac Margin Lending WinTrade View all online services 

[Sign in](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal) 

Close  Close [ House ](/ "Home") 

* [ Keyhole Sign in](#)
* [ Person Personal](#)
* [ Business Person Business](#)
* [ Office Corporate](#)
* [ About Us About us](#)
* [ Help  Help](#)

* Sign in [Sign in](#)  
   * [All Sign in](/all-online-services "Sign in")  
   * * [Online Banking - Personal](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=personal "Online Banking - Personal")  
         * [Online Banking - Business](https://banking.westpac.com.au/wbc/banking/handler?TAM%5FOP=login&segment=business "Online Banking - Business")  
         * [Corporate Online](https://online.corp.westpac.com.au/ "Corporate Online")
* Home [Home](/)
* Personal [Personal](#)  
   * [All Personal](/personal-banking "Personal")  
   * * [Bank accounts](/personal-banking/bank-accounts "Bank accounts")  
         * [Home loans](/personal-banking/home-loans "Home loans")  
         * [Credit cards](/personal-banking/credit-cards "Credit cards")  
         * [Personal loans](/personal-banking/personal-loans "Personal loans")  
         * [International & Travel](/personal-banking/travel-centre "International & Travel")  
         * [Insurance](/personal-banking/insurance "Insurance")  
         * [Superannuation](/personal-banking/superannuation "Superannuation")  
   * * [Investments](/personal-banking/investments "Investments")  
         * [Share Trading](/personal-banking/share-trading "Share Trading")  
         * [Margin Lending](/personal-banking/margin-lending "Margin Lending")  
         * [Westpac Private Bank](/personal-banking/private-banking-services "Westpac Private Bank")  
         * [Services](/personal-banking/services "Services")  
         * [Westpac Online Banking](/personal-banking/online-banking "Westpac Online Banking")  
         * [Ways to pay](/personal-banking/mobile-wallets "Ways to pay")
* Business [Business](#)  
   * [All Business](/business-banking "Business")  
   * * [Bank accounts](/business-banking/bank-accounts "Bank accounts")  
         * [Savings accounts](/business-banking/savings-accounts "Savings accounts")  
         * [Credit cards](/business-banking/credit-cards "Credit cards")  
         * [Loans and finance](/business-banking/loans-finance "Loans and finance")  
         * [EFTPOS & eCommerce](/business-banking/merchants-and-payments "EFTPOS & eCommerce")  
         * [Insurance for Businesses](/business-banking/insurance "Insurance for Businesses")  
         * [FX & International](/business-banking/international-trade "FX & International")  
         * [Industry specific banking](/business-banking/industries "Industry specific banking")  
         * [Online Banking for Business](/business-banking/online-banking "Online Banking for Business")  
   * * [Help for your business](/business-banking/help-for-your-business "Help for your business")  
         * [Current offers](/business-banking/current-offers "Current offers")  
         * [Business Term Deposit](/business-banking/term-deposits "Business Term Deposit")  
         * [Bank Guarantee](/business-banking/bank-guarantee "Bank Guarantee")  
         * [Transaction accounts](/business-banking/transaction-accounts "Transaction accounts")  
         * [Business digital wallets](/business-banking/mobile-wallets "Business digital wallets")  
         * [Business setup help](/business-banking/business-setup "Business setup help")  
         * [Tax Entity Classification Information](/business-banking/tax-entity-classification "Tax Entity Classification Information")
* Corporate [Corporate](#)  
   * [All Corporate](/corporate-banking "Corporate")  
   * * [Corporate & institutional](/corporate-banking/corporate-institutional "Corporate & institutional")  
         * [Transaction banking](/corporate-banking/transactional-banking "Transaction banking")  
         * [Financial markets](/corporate-banking/financial-markets "Financial markets")  
         * [ESG](/corporate-banking/esg-environmental-social-governance "ESG")  
   * * [Corporate & structured finance](/corporate-banking/corporate-and-structured-finance "Corporate & structured finance")  
         * [Trade & supply chain finance](/corporate-banking/trade-supply-chain-finance "Trade & supply chain finance")  
         * [Corporate Online](/corporate-banking/corporate-online "Corporate Online")  
         * [Westpac IQ](/corporate-banking/westpaciq "Westpac IQ")
* About us [About us](#)  
   * [All About us](/about-westpac "About us")  
   * * [Indigenous](/about-westpac/indigenous "Indigenous")  
         * [Westpac Group](/about-westpac/westpac-group "Westpac Group")  
         * [Investor Centre](/about-westpac/investor-centre "Investor Centre")  
         * [Media centre](/about-westpac/media "Media centre")  
         * [Westpac Wire](/about-westpac/westpac-wire "Westpac Wire")  
         * [Careers](/about-westpac/careers "Careers")  
   * * [Sustainability](/about-westpac/sustainability "Sustainability")  
         * [Our Foundations](/about-westpac/our-foundations "Our Foundations")  
         * [Global locations](/about-westpac/global-locations "Global locations")  
         * [Inclusion & diversity ](/about-westpac/inclusion-and-diversity "Inclusion & diversity ")  
         * [Innovation](/about-westpac/innovation "Innovation")  
         * [Diversity, Equity & Inclusion](/about-westpac/diversity-equity-and-inclusion "Diversity, Equity & Inclusion")
* Help [Help](#)  
   * [All Help](/help "Help")  
   * * [Financial hardship support](/help/financial-hardship-support "Financial hardship support")  
         * [Contact us](/help/contact-us "Contact us")  
         * [Locate us](/help/locate-us "Locate us")  
         * [Ways to bank](/help/ways-to-bank "Ways to bank")  
         * [Lost or stolen cards](/help/lost-stolen-card "Lost or stolen cards")  
         * [Frequently asked questions](/help/faq "Frequently asked questions")  
         * [Life moments](/help/lifemoments "Life moments")  
   * * [Community](/help/community "Community")  
         * [Indigenous & Remote Banking](/help/indigenous-banking "Indigenous & Remote Banking")  
         * [Disaster help](/help/disaster-help "Disaster help")  
         * [Security](/help/security "Security")  
         * [Master your money](/help/master-your-money "Master your money")  
         * [Making things right ](/help/remediation "Making things right ")  
         * [Support with Tough Times](/help/support-with-tough-times "Support with Tough Times")

* [Low rate cards](/personal-banking/credit-cards/low-rate-cards)  
   * [Westpac Lite Card](/personal-banking/credit-cards/low-rate-cards/westpac-lite-card)  
   * [Low Rate Card](/personal-banking/credit-cards/low-rate-cards/low-rate)

* [Back](#)
* Low rate cards  
   * [All Low rate cards](/personal-banking/credit-cards/low-rate-cards/)  
   * * [Westpac Lite CardA simple credit card with fewer fees and our lowest purchase rate.](/personal-banking/credit-cards/low-rate-cards/westpac-lite-card/)  
         * [Low Rate CardAn everyday credit card with a higher credit limit than the Westpac Lite Card and promotional interest rate offers.](/personal-banking/credit-cards/low-rate-cards/low-rate/)

* [Personal](/personal-banking)
* [Credit cards](/personal-banking/credit-cards)
* [Low rate credit cards ](/personal-banking/credit-cards/low-rate-cards)

+ Added

Earn up to $350 cashback< or request 0% p.a. for 24 months on balance transfers\*\* on a new card, plus $0 first-year card fee if you're already with Westpac^^.   

+ Added

* [Apply for cashback offer ](/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB "Apply for cashback offer")
* [Apply for balance transfer offer](/personal-banking/credit-cards/low-rate-cards/low-rate/summary "Apply for balance transfer offer")

+ Added

* [Apply for cashback offer](/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB "Apply for cashback offer")
* [Apply for balance transfer offer](/personal-banking/credit-cards/low-rate-cards/low-rate/summary "Apply for balance transfer offer")

+ Added

Westpac customers can access exclusive bonus Cashback when shopping with their credit card through [ShopBack](/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback)#.

+ Added

Split your purchases over $100 into 4 payments over 6 weeks with the [PartPay](/personal-banking/credit-cards/partpay) feature on your credit card.

+ Added

Use the [Dynamic CVC](/personal-banking/mobile-wallets/digital-card) on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

+ Added

Manage your credit card in the [Westpac App](/personal-banking/online-banking/ways-to-bank/mobile-banking)\*, with features to help you budget, save and stay on top of your finances.

+ Added

* [Not yet with us? Apply here ](/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB "Not yet with us? Apply here")

+ Added

* [Not yet with us? Apply here](/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB "Not yet with us? Apply here")
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29low-rate%28%5F$%29low-rate-card%28%5F$%29cashback-summary%28$%5F%29promoCode=WAKCB&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Flow-rate%2Flow-rate-card%2Fcashback-summary%3FpromoCode%3DWAKCB "Already with us? Sign in to apply")

+ Added

### Request a 0% p.a. for 24 months balance transfer

+ Added

For balance transfers requested at card application\*\*. 2% balance transfer fee applies. After 24 months, the rate reverts to the variable cash advance rate.  

+ Added

* [Not yet with us? Apply here ](/personal-banking/credit-cards/low-rate-cards/low-rate/summary "Not yet with us? Apply here")

+ Added

* [Not yet with us? Apply here](/personal-banking/credit-cards/low-rate-cards/low-rate/summary "Not yet with us? Apply here")
* [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29low-rate%28%5F$%29low-rate-card%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Flow-rate%2Flow-rate-card%2Fsummary "Already with us? Sign in to apply")

+ Added

| Annual card fee           | $59                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| ------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Foreign transaction fee   | 3%  Payable as a percentage of the Australian dollar value of any foreign transaction.  Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. [More about this fee](/personal-banking/credit-cards/manage/fees-interest/minimising-fees). |
| Cash advance fee          | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                           |
| Missed payment fee        | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                          |
| Non-Westpac Group ATM fee | Using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Use any Westpac, St.George, BankSA, or Bank of Melbourne, or select Westpac Group partner ATM to avoid paying an ATM operator fee. [Find a Westpac Group ATM](/locateus).                                                                                                                                                                              |
| Credit card surcharge     | Some merchants may apply a surcharge for credit card payments (usually a percentage of the purchase). If you're unsure, check with the merchant before paying.                                                                                                                                                                                                                                                                                            |

+ Added

For more information about [credit card fees](/personal-banking/credit-cards/manage/fees-interest/minimising-fees).

+ Added

When you're comparing low-interest-rate credit cards, think about how you'd use the card to decide what's important to you. Consider the key factors, such as purchase rate, cash advance rate (for drawing cash directly), annual card fee, and the number of interest-free days. Also, you may want to consider special offers and tools (such as Westpac's [PartPay](/personal-banking/credit-cards/partpay) or [SmartPlan](/personal-banking/credit-cards/smartplan)1 that could help with money management.

+ Added

[SmartPlan](/personal-banking/credit-cards/smartplan) helps you stay on top of large purchases and balances by breaking them down into regular installments.1  

+ Added

The security of your card and information is extremely important to us. We have a range of security measures in place to ensure that your account is protected, including online. [Westpac Added Online Security](/security/how-we-protect-you) provides extra peace of mind when shopping online at participating retailers.

+ Added

No, on top of Apple Pay, Samsung PayTM and Google PayTM, you can activate and instantly use your [Digital Card](/personal-banking/mobile-wallets/digital-card) in the Westpac App from the moment your account is opened.

+ Added

Our lowest interest rate on purchases, no foreign transaction fees and a card fee that’s charged in smaller monthly increments.[Explore Westpac Lite credit card](/personal-banking/credit-cards/low-rate-cards/westpac-lite-card) 

+ Added

* [Understanding credit cards](/personal-banking/solutions/staying-credit-smart/understanding-credit-cards)
* [How your credit card affects your credit score](/personal-banking/credit-cards/explore/how-your-credit-card-affects-your-credit-score)
* [How to refinance credit card debt](/personal-banking/credit-cards/explore/how-to-refinance-credit-card-debt)
* [Managing credit card debt](/personal-banking/credit-cards/debt)

+ Added

* [Staying credit smart](/personal-banking/solutions/staying-credit-smart)
* [Simplifying personal debt](/personal-banking/solutions/staying-credit-smart/simplifying-personal-debt)
* [Create a repayment plan with SmartPlan](/personal-banking/credit-cards/smartplan)
* [Tips to minimise credit card fees](/personal-banking/credit-cards/how-to-minimise-credit-card-fees)

+ Added

* [What is a balance transfer?](/personal-banking/solutions/staying-credit-smart/using-balance-transfers/what-is-a-balance-transfer)
* [What’s a cash advance?](/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/what-is-a-cash-advance)
* [How to do a balance transfer with Westpac](/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer)
* [Using balance transfers](/personal-banking/solutions/staying-credit-smart/using-balance-transfers)

+ Added

[ Pdf File Westpac Extras Terms and Conditions (PDF 370KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf)

+ Added

**<Low Rate Cashback promotion:** Offer commenced 26th March 2025\. The up to $350 cashback offer is available when you apply and are approved for a new Low Rate credit card before the offer is withdrawn. $50 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for the first 7 statement periods from card approval. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Cashback is only available on one credit card account per customer. $50 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 24 months are not eligible for this offer. This promotional offer is not available if you apply under the Westpac Premier Advantage Package. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

+ Added

**\*\*Low Rate Balance Transfer promotion:** Offer commenced 26th March 2025\. This offer is available when you apply for a new Low Rate credit card before the offer is withdrawn, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 2% of the transferred balance(s) will apply to balance(s) transferred to the Westpac Low Rate credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. These promotional offers are not available if you apply under the Westpac Premier Advantage Package. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

+ Added

**^^Existing customers only - Low Rate First Year Card Fee Waiver:** Offer commenced 26th March 2025\. First Year Card Fee Waiver is available for existing Westpac customers when you apply and are approved for a new Low Rate credit card before the offer is withdrawn. After the first year, the $59 card fee will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

+ Added

**1 SmartPlan:** [SmartPlan](https://www.westpac.com.au/personal-banking/credit-cards/smartplan/) is currently available for eligible Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the [ Pdf File Online Banking terms and conditions (PDF 1MB)](https://www.westpac.com.au//content/dam/public/wbc/documents/pdf/olb/Online%5FBanking%5FTCs.pdf) available at [westpac.com.au](/personal-banking). The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don't make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. Note: To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See [ Pdf File Credit Card Terms and Conditions (PDF 264KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf "Credit Card Terms and Conditions") for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.

+ Added

Read the [ Pdf File Apple Pay Terms and Conditions (PDF 42KB)](/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our [Apple Pay FAQs](/faq/apple-pay) for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

+ Added

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

* [Feedback and complaints](/contact-us/feedback-complaints?fid=GL:GF:GF1:wbc:www:contact-us:feedback-complaints)
* [Contact us](/contact-us?fid=GL:GF:GF1:wbc:www:contact-us)
* [Careers](/about-westpac/careers?fid=GL:GF:GF1:wbc:www:about:careers)

* [Access and Inclusion](/web-accessibility?fid=GL:GF:GF2:wbc:www:web-accessibility)
* [Investor centre](/about-westpac/investor-centre?fid=GL:GF:GF2:wbc:www:about:investor-centre)
* [Westpac Group](/about-westpac/westpac-group?fid=GL:GF:GF2:wbc:www:about:westpac-group)

* [Security](/security?fid=GL:GF:GF3:wbc:www:security)
* [FAQs](/faq?fid=GL:GF:GF3:wbc:www:faq)
* [Privacy](/privacy?fid=GL:GF:GF3:wbc:www:privacy)

* [Website terms and conditions](/terms-and-conditions?fid=GL:GF:GF4:wbc:www:terms-and-conditions)
* [Terms and conditions](/terms-conditions)
* [Site index](/sitemap?fid=GL:GF:GF4:wbc:www:sitemap)
* [Modern Slavery Statement](/content/dam/public/wbc/documents/pdf/aw/sustainability/wbc-2023-modern-slavery-statement.pdf)

---

Westpac 

[ Facebook ](https://www.facebook.com/Westpac) [ Twitter ](https://twitter.com/westpac) [ Youtube ](https://www.youtube.com/westpac) [ LinkedIn ](https://www.linkedin.com/company/westpac) [ Instagram ](https://www.instagram.com/westpac/) 

For Westpac issued products, conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the [Terms and Conditions](/terms-conditions), before deciding. [Target Market Determinations](/tmd) for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Return to pageWhat are you looking for? Please speak now to search

mic