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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 16 months on balance transfers requested at card application. Calculate how much you could save
  • 1.00% p.a. on purchases for up to 1 year 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
  • 50,000 bonus rewards points on an Altitude Platinum or Altitude Black card, when you spend $2500 within 90 days from card approval. New cards only. Exclusions apply.
  • 1.00% p.a. on purchases for up to 1 year 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.


Low Annual Fee credit cards

Everyday credit with no annual fee in the first year.

Westpac low annual fee credit cards

 

Special offers
  • $0 annual fee for all customers for the first year and in subsequent years if minimum spend criteria are met.
  • 1.00% p.a. on purchases for up to 1 year 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 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 bonus points promotion is available when you apply for a new Altitude Platinum, or Altitude Black card between 12th October 2016 and 30th January 2017 and spend the minimum amount of $2500 on eligible purchases within 90 days from card approval on 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 being met.

*55 Day no annual fee promotion: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first transaction on your account. Offer available on new card applications when you apply between 12th October 2016 and 30th January 2017.

^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au between 12th October 2016 and 30th January 2017. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 12th October 2016 and 30th January 2017 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. 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). The variable purchase interest 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 1.00% p.a. on purchases is available when you apply for a new Westpac credit card between 12th October 2016 and 30th January 2017. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard 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.