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

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* [ Low rate credit cards ](/personal-banking/credit-cards/low-rate-cards/)
* Low Rate Card

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# WESTPAC LOW RATE CREDIT CARD

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Earn up to $450 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 
* [Apply for cashback offer ](/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary/?promoCode=WAJCB&pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fcb%5Fhead "Apply for cashback offer")
* [Apply for balance transfer offer](/personal-banking/credit-cards/low-rate-cards/low-rate/summary/?pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fbt%5Fhead "Apply for balance transfer offer")

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Not yet with us? Apply here 
* [Apply for cashback offer](/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary/?promoCode=WAJCB&pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fcb%5Fhead "Apply for cashback offer")
* [Apply for balance transfer offer](/personal-banking/credit-cards/low-rate-cards/low-rate/summary/?pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fbt%5Fhead "Apply for balance transfer offer")

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[ 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?pid=iwc:cc:delLRab%5F2510:ExpA:ex%5Fhead) [ 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%3Fpid%3Diwc%3Acc%3AdelLRab%5F2510%3AExpA%3Aex%5Fhead) 

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[](#) 

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## Westpac credit card features that stack up

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

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### We've got your back

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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.

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### Australia’s Best Banking App

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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.

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

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###  Earn up to $450 cashback on your new credit card

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**Get rewarded when you spend** 

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$75 cashback for each month you spend $1k or more on eligible purchases in the first 6 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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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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Close 

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Close 

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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&pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fcb%5Fprmo) [Not yet with us? Apply here](https://www.westpac.com.au/personal-banking/credit-cards/low-rate-cards/low-rate/cashback-summary?promoCode=WAJCB&pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fcb%5Fprmo)
* [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&pid=iwc:cc:delLRab%5F2510:ExpA:ex%5Fcb%5Fprmo) [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&pid=iwc:cc:delLRab%5F2510:ExpA:ex%5Fcb%5Fprmo)

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 OR

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

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**Consolidate your credit card debt** 

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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._ 

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

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Close 

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Close 

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Apply for a balance transfer offer 
* [Not with us yet? Apply here](/personal-banking/credit-cards/low-rate-cards/low-rate/summary/?pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fbt%5Fprmo  ) [Not with us yet? Apply here](/personal-banking/credit-cards/low-rate-cards/low-rate/summary/?pid=iwc:cc:delLRab%5F2510:ExpA:nw%5Fbt%5Fprmo  )
* [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?pid=iwc:cc:delLRab%5F2510:ExpA:ex%5Fbt%5Fprmo) [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?pid=iwc:cc:delLRab%5F2510:ExpA:ex%5Fbt%5Fprmo)

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## Why choose a Westpac low rate credit card?

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###  Low ongoing interest rate on purchases

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

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###  Low ongoing monthly card fee of $7

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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

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 More opportunity to avoid interest charges on your purchases

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## Rates, minimum requirements and fees

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 New cards only.

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

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[At a glance](#tab1) 

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| **$7**           | Ongoing monthly 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    |

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[Fees](#tab2) 

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| Monthly card fee          | $7                                                                                                                                                                                                                                                                                                                                                                                                                                                         |
| ------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| 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          | 3.5% 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        | $20 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.                                                                                                                                                                                                                                                                                             |

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

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## Frequently asked questions

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

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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.

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

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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), 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/) that could help with money management.

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

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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.

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

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

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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.  

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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.

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

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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.

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

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No, on top of Apple Pay, Samsung Pay and Google Pay, 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.

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## Looking for something else?

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Westpac Lite

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Our lowest interest rate on purchases, no foreign transaction fees and a card fee that’s charged in smaller monthly increments.

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[Explore Westpac Lite credit card](/personal-banking/credit-cards/low-rate-cards/westpac-lite-card/) 

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## Help when you need it

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###  Credit card 101

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* [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/)

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###  Credit tips and tricks

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* [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/)

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###  Handy articles and guides

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* [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/)

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## Things you should know

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

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[ 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)

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[ 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)

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[ Pdf File Westpac Extras Terms and Conditions (PDF 164KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf)

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[ 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)

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

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

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**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 28th May 2026\. The up to $450 cashback offer is available when you apply and are approved for a new Low Rate credit card before the offer is withdrawn. $75 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for 6 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 5 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. $75 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. 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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This claim is based on **The Forrester Digital Experience Review™** of 4 Australian mobile banking apps in Q3 2025\. Future findings are subject to change. Forrester does not endorse any company or brand, nor their products or services, nor advise anyone to select them based on this review. If you want to learn more, go to the [Forrester website](https://www.forrester.com/about-us/objectivity/).

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**\*\*Low Rate Balance Transfer promotion:** Offer commenced 28th May 2026\. 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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**^^Existing customers only - Low Rate First Year Card Fee Waiver:** Offer commenced 28th May 2026\. 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 $7 monthly card fee will be debited to your account on a monthly basis. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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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 619KB)](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.

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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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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 160KB)](/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.

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