Westpac Low Rate Card (Existing Customers)

Snapshot 217 · Offer 2019 · Offer status now: ended

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[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](https://www.westpac.com.au/web-accessibility) [Skip to search input](#search)

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* [Personal](https://www.westpac.com.au/personal-banking)
* [Credit cards](https://www.westpac.com.au/personal-banking/credit-cards)
* [Low rate credit cards ](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards)

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* [ Low rate credit cards ](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards)

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* Low Rate Card

# WESTPAC LOW RATE CREDIT CARD

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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.

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Earn up to $350 cashback or request 0% p.a. for 20 months on balance transfers\*\* on a new card, plus $0 first-year card fee if you're already with Westpac.

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Not yet with us? Apply here 
* [Apply for cashback offer ](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB "Apply for cashback offer")
* [Apply for balance transfer offer](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/summary "Apply for balance transfer offer")

Not yet with us? Apply here 
* [Apply for cashback offer](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB "Apply for cashback offer")
* [Apply for balance transfer offer](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/summary "Apply for balance transfer offer")

[Already with us? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card) [Already with us? Sign in to apply](https://www.cmsservices.westpac.com.au/app/native/webview?targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Flow-rate%2Flow-rate-card) 

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## Westpac credit card features that stack up

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##### Earn bonus Cashback

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### Earn bonus Cashback

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

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##### Split your purchases

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### Split your purchases

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

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##### Pay with points

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### Pay with points

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Use your points for everyday purchases, anywhere Mastercard® is accepted with [Pay with Points](https://www.westpac.com.au/personal-banking/credit-cards/manage/rewards/pay-with-points).

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##### #1 Banking App

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### #1 Banking App

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

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## Ready for a new Westpac Low Rate credit card?

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## Ready for a new Westpac Low Rate credit card?

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### Earn up to $350 cashback on your new credit card

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 **Get rewarded when you spend**

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**Get rewarded when you spend**

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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.

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 _Already a Westpac customer? We’ll waive your first year’s card fee._

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_Already a Westpac customer? We’ll waive your first year’s card fee._

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Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply. Month is based on your credit card statement.

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Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply. Month is based on your credit card statement.

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Apply for cashback offer 
* [Not yet with us? Apply here ](https://www.westpac.com.au/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.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card/cashback-summary?promoCode=WAKCB "Already with us? Sign in to apply")

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Close

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Close

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Apply for cashback offer

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* [Not yet with us? Apply here](https://www.westpac.com.au/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¶m0=contentspa¶m1=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")

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* [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB) [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB)
* [Already with us? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card/cashback-summary?promoCode=WAKCB) [Already with us? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card/cashback-summary?promoCode=WAKCB)

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

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OR

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 **Consolidate your credit card debt**

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### Request a 0% p.a. for 20 months balance transfer

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

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**Consolidate your credit card debt** 

For balance transfers requested at card application\*\*. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate.

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_Already a Westpac customer? We’ll waive your first year’s card fee._

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Apply for balance transfer offer 
* [Not yet with us? Apply here ](https://www.westpac.com.au/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.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card/summary "Already with us? Sign in to apply")

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New cards only. Credit criteria and T&Cs apply.

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Apply for balance transfer offer 
* [Not yet with us? Apply here](https://www.westpac.com.au/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¶m0=contentspa¶m1=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")

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Close

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Apply for a balance transfer offer 
* [Not with us yet? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/summary) [Not with us yet? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/summary)
* [Already with us? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card/summary) [Already with us? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/low-rate/low-rate-card/summary)

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## Why choose a Westpac low rate credit card?

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* **Low ongoing interest rate on purchases:** handy if you don't intend to pay off your bill in full each month
* **Low ongoing annual card fee of $59:** to help trim your credit card costs, keeping money in your pocket
* **Up to 55 days interest-free:** more opportunity to avoid interest charges on your purchases

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### Low ongoing interest rate on purchases

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## Want to bank with layers of defence?

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Handy if you don't intend to pay off your bill in full each month

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Explore the features of our everyday banking accounts. Start your banking today to find out how the Westpac Digital card with dynamic CVC can help protect you.

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### Low ongoing annual card fee of $59

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[Find out more](https://www.westpac.com.au/security)

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To help trim your credit card costs, keeping money in your pocket

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### Up to 55 days interest-free:

More opportunity to avoid interest charges on your purchases

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## Rates, minimum requirements and fees

New cards only.

* [At a glance](#tab1)
* [Fees](#tab2)

[At a glance](#tab1) 

| **$59**          | Ongoing annual card fee    |
| ---------------- | -------------------------- |
| **13.74% p.a.**  | Variable purchase rate     |
| **21.99% p.a.**  | Variable cash advance rate |
| **$500**         | Minimum credit limit       |
| **$30,000 p.a.** | Minimum income required    |

[Fees](#tab2) 

| 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](https://www.westpac.com.au/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](https://www.westpac.com.au/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.                                                                                                                                                                                                                                                                                                                      |

For more information about [credit card fees](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees).

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## Enjoy the benefits of one stop banking

Spend $50 and you could get $50 cashback. Open a Westpac Choice everyday account by 30 September 2025\. Then, add your new debit card to your mobile wallet and make one or more in-person, contactless payments that total at least $50\. T&Cs apply.

[Find out more](https://www.westpac.com.au/personal-banking/bank-accounts/transaction/choice?pid=iwc:dp:$50xCC%5F2508::ftr)

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## Frequently asked questions

[What’s a low-rate credit card?](#tab1) 

Low-rate credit cards generally have a low ongoing interest rate charged on purchases, known as the ‘purchase rate’. Note there’s also a separate ‘cash advance rate’ (for withdrawing cash from an ATM), which is likely to be higher.

[How can I compare low-rate credit cards?](#tab2) 

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](https://www.westpac.com.au/personal-banking/credit-cards/partpay) or [SmartPlan](https://www.westpac.com.au/personal-banking/credit-cards/smartplan) that could help with money management.

[Can I have an additional cardholder?](#tab3) 

You can add 1 additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions made with either card.

[How does a SmartPlan repayment plan work?](#tab4) 

[SmartPlan](https://www.westpac.com.au/personal-banking/credit-cards/smartplan) helps you stay on top of large purchases and balances by breaking them down into regular installments.  
  
**Credit card balance SmartPlan**

Turn any of your outstanding purchase, cash advance or promotional plan (e.g. balance transfer) balances of $200 or more into a SmartPlan. The purchase balance SmartPlan type is currently available at a lower interest rate.  

**Large purchase SmartPlan**

Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $200 or more that you’ve bought on your card in the last 30 days – think purchases such as a flight, hotel bill or even a new fridge. Large purchase SmartPlans are currently available at a lower interest rate. 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.

[How does Westpac protect me from fraud?](#tab5) 

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](https://www.westpac.com.au/security/how-we-protect-you) provides extra peace of mind when shopping online at participating retailers.

We also have your back if something does go wrong. Our Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

[Do I need to wait for my physical card to start spending?](#tab6) 

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

## Looking for something else?

Westpac Lite

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](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/westpac-lite-card) 

## Help when you need it

### Credit card 101

* [Understanding credit cards](https://www.westpac.com.au/personal-banking/solutions/staying-credit-smart/understanding-credit-cards)
* [How your credit card affects your credit score](https://www.westpac.com.au/personal-banking/credit-cards/explore/how-your-credit-card-affects-your-credit-score)
* [How to refinance credit card debt](https://www.westpac.com.au/personal-banking/credit-cards/explore/how-to-refinance-credit-card-debt)
* [Managing credit card debt](https://www.westpac.com.au/personal-banking/credit-cards/debt)

### Credit tips and tricks

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

### Handy articles and guides

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

## Things you should know

[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/)

[ 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)  

[ Pdf File ID checklist to become a customer (PDF 657KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

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

[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Be credit savvy:** Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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**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.

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**Low Rate Cashback promotion:** Offer commenced 1 July 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 7 consecutive statement periods. The first eligible spend period will commence from the day your account is opened, up to the end of your second statement period. After this date, the second eligible spend period will commence and the offer spend requirements will align to each statement period thereafter for the remaining of the 6 consecutive statement periods. 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 90 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.

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**\*\*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.

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**\***Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks.

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**^^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.

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**\*\*Low Rate Balance Transfer promotion:** Offer commenced 27th August 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 3% 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. 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.

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**2\. Interest free** **period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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**^^Existing customers only - Low Rate First Year Card Fee Waiver:** Offer commenced 27th August 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.

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**#**Cashback (including Westpac Bonus Cashback) is offered by ShopBack and not Westpac Banking Corporation (Westpac). Cashback offers are not exclusive to Westpac cardholders. Westpac Bonus Cashback is offered exclusively to Westpac cardholders who have access to Bonus Cashback on top of any other available Cashback. Offer information displayed in the Westpac App are provided by ShopBack. The ShopBack account is not a Westpac account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and [T&Cs apply](https://support.shopback.com.au/hc/en-gb/articles/360039114314). See [ShopBack](https://www.shopback.com.au/) for further details.

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**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 734KB)](https://www.westpac.com.au//content/dam/public/wbc/documents/pdf/olb/Online%5FBanking%5FTCs.pdf) available at [westpac.com.au](https://www.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.

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**\***Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks.

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**2\. Interest free** **period** is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

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**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 408KB)](https://www.westpac.com.au//content/dam/public/wbc/documents/pdf/olb/Online%5FBanking%5FTCs.pdf) available at [westpac.com.au](https://www.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

Cashback (including Westpac Bonus Cashback) is offered by ShopBack and not Westpac Banking Corporation (Westpac). Cashback offers are not exclusive to Westpac cardholders. Westpac Bonus Cashback is offered exclusively to Westpac cardholders who have access to Bonus Cashback on top of any other available Cashback. Offer information displayed in the Westpac App are provided by ShopBack. The ShopBack account is not a Westpac account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and [T&Cs apply](https://support.shopback.com.au/hc/en-gb/articles/360039114314). See [ShopBack](https://www.shopback.com.au/) for further details.

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Read the [ Pdf File Apple Pay Terms and Conditions (PDF 42KB)](https://www.westpac.com.au/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](https://www.westpac.com.au/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

Read the [ Pdf File Apple Pay Terms and Conditions (PDF 129KB)](https://www.westpac.com.au/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](https://www.westpac.com.au/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.

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Google Pay is a trademark of Google LLC.

Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.

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

Start: 2025-09-24 07:06:43.000 UTC
Superseded: 2025-10-30 10:55:29.000 UTC
Last successful capture for offer: 2026-06-10 23:44:27.000 UTC

Imported Git source

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html source · Recorded 2025-09-24 07:06:43.000 UTC · Commit e08f00462c4683803d761d2487996cf79b70d517

Source pages and terms

https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/

Saved wording and terms

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Low rate credit cards
Low Rate Card

WESTPAC LOW RATE CREDIT CARD

Earn up to $350 cashback or request 0% p.a. for 20 months on balance transfers** on a new card, plus $0 first-year card fee if you're already with Westpac.

Not yet with us? Apply here

Already with us? Sign in to apply Already with us? Sign in to apply

Westpac credit card features that stack up

Earn bonus Cashback

Westpac customers can access exclusive bonus Cashback when shopping with their credit card through ShopBack.

Split your purchases

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

Pay with points

Use your points for everyday purchases, anywhere Mastercard® is accepted with Pay with Points.

#1 Banking App

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

Ready for a new Westpac Low Rate credit card?

Earn up to $350 cashback on your new credit card

Get rewarded when you spend

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

Already a Westpac customer? We’ll waive your first year’s card fee.

Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply. Month is based on your credit card statement.

Apply for cashback offer

Request a 0% p.a. for 20 months balance transfer

Consolidate your credit card debt

For balance transfers requested at card application**. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate.

Already a Westpac customer? We’ll waive your first year’s card fee.

New cards only. Credit criteria and T&Cs apply.

Apply for a balance transfer offer

Why choose a Westpac low rate credit card?

Low ongoing interest rate on purchases

Handy if you don't intend to pay off your bill in full each month

Low ongoing annual card fee of $59

To help trim your credit card costs, keeping money in your pocket

Up to 55 days interest-free:

More opportunity to avoid interest charges on your purchases

Rates, minimum requirements and fees

New cards only.

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At a glance

$59	Ongoing annual card fee
13.74% p.a.	Variable purchase rate
21.99% p.a.	Variable cash advance rate
$500	Minimum credit limit
$30,000 p.a.	Minimum income required

Fees

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.
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.
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.

For more information about credit card fees.

Enjoy the benefits of one stop banking

Spend $50 and you could get $50 cashback. Open a Westpac Choice everyday account by 30 September 2025. Then, add your new debit card to your mobile wallet and make one or more in-person, contactless payments that total at least $50. T&Cs apply.

Find out more

Frequently asked questions

What’s a low-rate credit card?

Low-rate credit cards generally have a low ongoing interest rate charged on purchases, known as the ‘purchase rate’. Note there’s also a separate ‘cash advance rate’ (for withdrawing cash from an ATM), which is likely to be higher.

How can I compare low-rate credit cards?

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 or SmartPlan that could help with money management.

Can I have an additional cardholder?

You can add 1 additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions made with either card.

How does a SmartPlan repayment plan work?

SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.

Credit card balance SmartPlan

Turn any of your outstanding purchase, cash advance or promotional plan (e.g. balance transfer) balances of $200 or more into a SmartPlan. The purchase balance SmartPlan type is currently available at a lower interest rate.

Large purchase SmartPlan

Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $200 or more that you’ve bought on your card in the last 30 days – think purchases such as a flight, hotel bill or even a new fridge. Large purchase SmartPlans are currently available at a lower interest rate. 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.

How does Westpac protect me from fraud?

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 provides extra peace of mind when shopping online at participating retailers.

We also have your back if something does go wrong. Our Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

Do I need to wait for my physical card to start spending?

No, on top of Apple Pay, Samsung Pay and Google Pay, you can activate and instantly use your Digital Card in the Westpac App from the moment your account is opened.

Looking for something else?

Westpac Lite

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

Help when you need it

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Credit card 101

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Credit tips and tricks

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Handy articles and guides

Things you should know

Westpac Credit Cards Key Facts Sheet

Pdf File Credit Card Terms and Conditions (PDF 264KB)

Pdf File ID checklist to become a customer (PDF 657KB)

Pdf File Westpac Extras Terms and Conditions (PDF 370KB)

Pdf File PartPay Card Terms and Conditions (PDF 96KB)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Low Rate Cashback promotion: Offer commenced 1 July 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 7 consecutive statement periods. The first eligible spend period will commence from the day your account is opened, up to the end of your second statement period. After this date, the second eligible spend period will commence and the offer spend requirements will align to each statement period thereafter for the remaining of the 6 consecutive statement periods. 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 90 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.

*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks.

**Low Rate Balance Transfer promotion: Offer commenced 27th August 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 3% 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. 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.

^^Existing customers only - Low Rate First Year Card Fee Waiver: Offer commenced 27th August 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.

1. SmartPlan: 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 734KB) available at westpac.com.au. 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) 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.

2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

Cashback (including Westpac Bonus Cashback) is offered by ShopBack and not Westpac Banking Corporation (Westpac). Cashback offers are not exclusive to Westpac cardholders. Westpac Bonus Cashback is offered exclusively to Westpac cardholders who have access to Bonus Cashback on top of any other available Cashback. Offer information displayed in the Westpac App are provided by ShopBack. The ShopBack account is not a Westpac account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and T&Cs apply. See ShopBack for further details.

Read the Pdf File Apple Pay Terms and Conditions (PDF 129KB) 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 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.

Google Pay is a trademark of Google LLC.

Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.

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

[Image: Message us]

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