Low Rate credit card

A low interest purchase rate credit card to help trim your credit card costs.

0% p.a. for 12 months on purchases from card approval. New cards only. Conditions apply.
  •  

    Apply now

    Get a response in 60 seconds

    Apply online
  • Give us a call

    1300 130 961

    8am-8pm, 7 days a week

Essentials

  • Pay for everyday purchases under $100 with the ease and convenience of contactless technology
  • Westpac Mobile Banking for on-the-go service on your smartphone
  • An annual fee of only $59
  • Up to 55 days interest free on purchases - just pay the closing balance (including any balance transfer amount) by the statement due date each month.

Special promotion

  • 0% p.a. purchase rate for 12 months from card approval on new cards only. Apply between 17 November 2014 and 5 January 2015. Find out more at Rates.

Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for these offers. This offer is unavailable in conjunction with any other promotional offer, unless stated otherwise.

Our Low Rate card has a low variable purchase rate

Standard variable rates:

  • On purchases - 13.49% p.a.
  • On cash advances - 21.49% p.a.
  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • Mobile Banking access is subject to availability and maintenance. There are no additional charges for accessing your Westpac accounts using your mobile, however your account and Online Banking fees and charges still apply. Internet data charges and call to us charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Internet connection is required when using Westpac Mobile Banking. Before using Westpac Mobile Banking, you should read the terms and conditions available at request. The iPhone and Android Mobile Banking applications are only available for use by Westpac Australia customers.

Features

Interest free days

Up to 55 days interest free on purchases - just pay the closing balance (including any balance transfer amount) by the statement due date each month.

Low annual fee

$59 

Additional cardholder

  • Add one additional cardholder (16 years or older) at no extra cost
  • The account holder (primary cardholder) is liable for all transactions on these cards and their own card.

Contactless technology

For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Now you can use your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases. Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Card security

As well as an embedded microchip, take advantage of additional security measures helping defend against fraudulent activity:

  • CardShield helps defend against frauduent activity
  • Increased credit card security where your card comes with an embedded microchip
  • Extra security when you shop at participating online retailers by registering with Verified by Visa through the Westpac Added Online Security service
  • Falcon® Fraud Protection 24/7.

All mobile payments are backed by our Fraud Money Back Guarantee. Plus, you can choose to enter your mobile banking password each time you make a purchase for added peace of mind or disable mobile payments in your phone’s NFC settings at any time.

Fraud Money Back Guarantee

Cardholders will be reimbursed for unauthorised transactions, provided the cardholder didn't contribute to the loss and notified Westpac promptly. Refer to the T&Cs for full details of when cardholders may be liable.

Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly. Refer to the Consumer Credit Cards Conditions of Use for full details of when cardholders may be liable. Further information on resolving credit card transactional issues please go to what to do if there is a fraudulent transaction on your card.

For more information including Consumer Credit Cards Conditions of Use see Details.  

  •  

    Apply now

    Get a response in 60 seconds

    Apply online
Things you should know
  • Credit card repayment protection

    Optional credit card repayment protection  insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

    More on Credit Card Repayment Protection

    This insurance  is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy. Read the Product Disclosure Statement (PDF 222kb)

  • Mobile Banking access is subject to availability and maintenance. There are no additional charges for accessing your Westpac accounts using your mobile, however your account and Online Banking fees and charges still apply. Internet data charges and call to us charges may be incurred through your mobile service provider - check with your Internet Service Provider or your mobile phone service provider for more details. Internet connection is required when using Westpac Mobile Banking. Before using Westpac Mobile Banking, you should read the terms and conditions available at request. The iPhone and Android Mobile Banking applications are only available for use by Westpac Australia customers.

Fees

Fees (these may change) Amount
Annual fee $59

Westpac foreign transaction fee 

The Westpac foreign transaction fee is payable as a percentage of the Australian dollar value of any foreign transaction. The percentage will vary depending on the applicable credit card scheme:

  • Visa: 3.0%

Cash advances/withdrawals fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances.

Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge

A charge of $9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.

Over-limit fee

If your card account was opened before 4 June 2012, a fee of $9 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.

Duplicate statement fee

$7.50 may be debited from your credit card account if you, or an additional cardholder, orders a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.

For more fee information see the Consumer Credit Cards Conditions of Use (PDF 258kb)

  •  

    Apply now

    Get a response in 60 seconds

    Apply online

Rates

Transaction Interest rates
Purchases 13.49% p.a. (variable)
Special purchase rate promotion:
See terms and conditions below.
0% p.a. for 12 months from card approval
Cash advances 21.49% p.a. (variable)

Special purchase rate promotion terms and conditions

  • New cards only. Apply between 17 November 2014 - 5 January 2015.
  • Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible for this offer
  • Introductory rate on purchases is not available in conjunction with any other promotion, unless stated otherwise
  • After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.
  •  

    Apply now

    Get a response in 60 seconds

    Apply online

Details

Consumer Credit Cards - Conditions of Use (PDF 649kb)

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

Credit card repayment protection

Optional credit card repayment protection insurance helps cover your card repayment obligations if you lose your job, or are unfit for work due to sickness, injury, or disease.

Credit Card Repayment Protection Product Disclosure Statement (PDF 222kb)

 This insurance is issued by Westpac General Insurance Limited ABN 99 003 719 319 (WGIL) and Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS) each of which is liable for separate risks under the terms of the policy. This product is distributed by Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The policy is not an investment in or deposit with the Bank. No Westpac Group company (other than the Bank as policy distributor and WGIL and WLIS as the product issuers) has any liability in connection with the policy or this document. The Bank does not guarantee payments under the policy.

  •  

    Apply now

    Get a response in 60 seconds

    Apply online