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Low Rate credit card

Trim your costs. Get back to enjoying life.

Westpac Low rate credit card

 

Special offers
  • 0% p.a. for 12 months on balance transfers requested at card application. Calculate how much you could save
  • 0% p.a. on purchases for up to 6 months from card approval.


After the promotional period, the balance transfer and purchase rates switch to the applicable standard variable purchase rate.

Apply online

Apply online in 10 minutes. Get a response in 60 seconds.


Rewards credit cards

Rewards to suit your lifestyle.

Choose between Altitude or Qantas rewards points, with an excellent earn rate.

Westpac rewards cards

 

Special offers
  • Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible transactions on a new Altitude Platinum credit card within 90 days from card approval. New cards only. Exclusions apply.
  • Earn 80,000 bonus Qantas or Altitude Points when you spend $5,000 on eligible transactions on a new Altitude Black credit card within 90 days from card approval.
    $200 off the first annual card fee
    (bringing the fee to $195). New cards only. Exclusions apply.
Apply online

Apply online in 10 minutes. Get a response in 60 seconds.


Low Annual Fee credit cards

Everyday credit with no annual card fee in the first year.

Westpac low annual fee credit cards

 

Special offers
  • $0 annual card fee for all customers for the first year and in subsequent years if minimum spend criteria are met.
  • 0% p.a. on purchases for up to 6 months from card approval


After the promotional period, the balance transfer and purchase rates switch to the applicable standard variable purchase rate.

Apply online

Apply online in 10 minutes. Get a response in 60 seconds.

Things you should know

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or existing packaged cards are ineligible.

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

Rewards Points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.

Bonus points promotion: The respective bonus points promotions are available when you apply for a new Altitude Black or Altitude Platinum card between 21st April 2017 and 28th June 2017 spend the minimum amount of $5,000 on eligible purchases on an Altitude Black card or $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions.

Eligible purchases do not include BPAY transaction, fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account.

Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria is met.

*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 21st April 2017 and 28th June 2017 and and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

^$0 annual card fee in first year for existing Westpac customers promotion: The first year annual card fee waiver is available to existing Westpac customers who apply for a new Low Rate or Altitude credit card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 21st April 2017 and 28th June 2017. The first annual card fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter.

Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black credit card between 21st April 2017 and 28th June 2017. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for 12 months, unless the amount is paid off earlier. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. The variable purchase rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

Purchase rate promotion: The introductory rate of 0% p.a. on purchases for 6 months applies from card approval when you apply for a new Westpac credit card (excluding Altitude Platinum and Altitude Black) between 21st April 2017 and 28th June 2017. After 6 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Westpac credit cards are part of the Westpac Group, including St.George, Bank of Melbourne, BankSA and Westpac.

Samsung is a trademark of Samsung Electronics Co. Ltd.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.