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Low Rate Credit Cards
Having some of our lowest interest rates on purchases means these everyday cards could reduce the interest you’re charged.
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Find a low rate credit card that's right for you
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Lite card
Enjoy no foreign transaction fees and our lowest purchase rate with the Westpac Lite Card.
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Rates
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Variable purchase rate - 9.90% p.a.
Features
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- Monthly card fee - $9
- Minimum credit limit - $1,000
- Minimum income - $30,000 p.a.
- Interest free on purchases - 45 days
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Low interest rate on purchases - With one of our lowest credit card interest rates on purchases, you’re more likely to save on interest charges in those months you don’t repay the full amount.
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With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
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Split your purchases - Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card.
Frequently asked questions
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What are low rate credit cards?
If you’re after a low rate credit card, check these out. The key benefit is a low ongoing interest rate that’s charged on purchases, known as the ‘purchase rate’. Note there’s also a separate ‘cash advance rate’ (e.g. for withdrawing cash from an ATM), which is likely to be higher. Want to know more? Compare Westpac’s Low Rate Cards – Westpac Lite Card or Westpac Low Rate Card.
How to compare low rate credit cards
When you compare low interest rate credit cards, think about how you’d use it to decide what’s important to you. Some key factors to consider include purchase rate, cash rate (for drawing cash directly), card fee, and the number of interest-free days. Also you may want to consider special offers as well as tools (such as Westpac’s SmartPlan[#]) that could help with money management.
Things you should know
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