On this page
Westpac Low Rate Card (Balance Transfer offer)
Balance Transfer
0% for 28 months on balance plus $0 annual fee for the first year0% p.a. for 28 months on balance transfers requested at card application**. 1% balance transfer fee applies. After 28 months the rate reverts to the variable cash advance rate. Plus, $0 annual fee for the first year (saving you $59). New cards only. Credit criteria and T&Cs apply.
On this page
Explore
Purchase Rate
13.74
% p.a
Balance Transfer Rate
0
% p.a
for 28 months then 21.49%
Annual Fee
$0
for 12 months then $59
Max Free Days
55
$15
On this page
Purchase Rate
13.74
% p.a
Balance Transfer Rate
0
% p.a
for 28 months then 21.49%
Annual Fee
$0
for 12 months then $59
Max Free Days
55
$15
Quick credit card review
For Low Rate Card (Balance Transfer offer)
These are the benefits of this credit card.
- Lower than average ongoing purchase rate
- Reduced $0 annual fee in the first 12 months and $59 p.a thereafter.
- Lower than average annual fee
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
These are the drawbacks of this credit card.
- No reward program
Credit card overview
For Low Rate Card (Balance Transfer offer)
- Details
- Fees
Details
Card Level Standard | Card Type MasterCard |
Interest Free Days Interest Free Days 55 | Minimum monthly repayment 2% or $10 |
Minimum credit limit $500 | Maximum credit limit $50k |
Free supplementary cards | Number free supplementary 1 |
Instant Approval |
Fees
Annual Fee Annual Fee $0 for 12 months then $59 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $15 |
Over limit fee $15 | Duplicate statement fee $2 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 13.74 % p.a |
Cash advance rate 21.49% |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 0 % p.a for 28 months then 21.49% |
Transfer Limit $50k max card limit |
Balance Transfer Fee 1% |
Overseas spending
Foreign Exchange Fee 3% on Mastercard |
Overseas charges Overseas charges $2.5 |
Estimated ATM Cost - |
Rewards
Program name |
Rewards Available |
Eligibility
Minimum age 18 |
Minimum income $0 |
Eligibility conditions You have a regular, verifiable income |
Residency Australia Citizen, Permanent Resident |
Perks
- FREE SUPPLEMENTARY CARDS
- Balance Transfer 0% for 28 months on balance plus $0 annual fee for the first year0% p.a. for 28 months on balance transfers requested at card application**. 1% balance transfer fee applies. After 28 months the rate reverts to the variable cash advance rate. Plus, $0 annual fee for the first year (saving you $59). New cards only. Credit criteria and T&Cs apply.
Target Market Determination
Visit Westpac to view Target Market Determination.