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Westpac Low Rate credit card

Westpac Low Rate Card

Essentials
  • 13.74% p.a. variable purchase rate
  • 21.49% p.a. variable cash advance rate
  • $59 annual card fee
  • $500-$50,000 credit limit.

 


Special offer

0% p.a. for 24 months on balance transfers requested at card application**. 1% balance transfer fee applies. After 24 months the rate reverts to the variable cash advance rate.

 

Plus, $200 cashback with $1k minimum spend+

 

Conditions, T&Cs apply.

Westpac Altitude Platinum credit card

Westpac Altitude Platinum

Essentials
  • Earn 1 Altitude Point or 0.5 Qantas Points6 per $1 spent on all eligible purchases##. Plus earn additional Altitude Points with our Accelerated Earn partners<<
  • $150 ongoing annual card fee
Benefits
  • Complimentary insurance covers4

 


Special offer

0% p.a. for 18 months on balance transfers requested at card application>>. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate.

 

Earn 80,000 bonus Altitude Points or 60,000 bonus Qantas Points>. Minimum spend $3k applies##.

 

Plus, $99 annual card fee for the first year ($150 thereafter)++ and $0 Qantas Rewards Fee for the first year ($50 p.a. thereafter)>>>.

 

Conditions, exclusions, T&Cs apply.

Westpac Low Rate credit card

Westpac Low Fee

Essentials
  • 20.09% p.a. ongoing variable purchase rate
  • 21.49% p.a. variable cash advance rate
  • No annual card fee (minimum spend applies)*
  • $500-$50,000 credit limit

 


 

Special offer

0% p.a. for 6 months on balance transfers requested at card application^^. No balance transfer fee. After 6 months the rate reverts to the variable cash advance rate.

 

0% p.a. on purchases for 15 months#.

 

Conditions, T&Cs apply.


How does a Westpac credit card help me?

Westpac Extras

Westpac Extras includes great shopping cashback offers that work on top of any other discounts. Simply use your card as normal and we'll credit your account. No codes, no coupons, all-easy.

Plan smarter repayments

Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.1

Track your spending easily

Adjust payment limits, place your card on hold and track your balance quickly and easily using the Mobile Banking app.

Know what to pay when

Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments.


Apple Pay is here

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.

Find out more


Frequently asked questions
 

A balance transfer is when you move balances from one or more credit or store cards to another credit card. Consolidating multiple cards into a new card can make it simpler for you to manage your credit card debt. For example, it could give you only one monthly repayment and annual card fee on your debt, provided you close your previous cards.

 

With a Westpac balance transfer, you can:

  • Consolidate up to 3 non-Westpac Australian issued credit, charge or store cards.
  • Transfer up to 80% of the credit limit available on the Westpac card you’re transferring to (minimum transfer of $200).

 

The process is simple:

  • Apply for a Westpac credit card online.
  • In your application, include the account numbers of the credit cards you would like to transfer, the providers' biller codes and the amounts you'd like to transfer.
  • Activate your card. Any approved balance transfers will occur once your card is active.

 

Note: Westpac will not cancel your other cards. If your aim is to pay down your balances, it may be helpful to cancel your old cards once the balance transfer is complete so you don't use them to accrue more debt. You can usually ask to cancel a card account over the phone, provided the card has been paid off.

SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.1

Credit card balance SmartPlan

Turn any of your outstanding purchase, cash advance or promotional plan (e.g. balance transfer) balances of $200 or more into a SmartPlan. The purchase balance SmartPlan type is currently available at a lower interest rate.1

Large purchase SmartPlan

Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $500 or more that you’ve bought on your card in the last 30 days – think purchases such as a flight, hotel bill or even a new fridge. Large purchase SmartPlans are currently available at a lower interest rate.1

The security of your card and information is extremely important to us. We have a range of security measures in place to ensure that your account is protected, including online. Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers.

We also have your back if something does go wrong. Our Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

Things you should know

Credit criteria, fees and charges apply. Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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

+Cashback promotion: The cash back offer is available when you apply and are approved for a new Low Rate credit card between 12th November 2020 and 31st March 2021 and spend $1,000 on eligible purchases within 90 days of card approval. Eligible purchases do not include interest, fees and charges, cash, or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. The $200 cashback will be paid as a statement credit to your Low Rate credit card account within 90 days of meeting the minimum spend criteria. If you currently hold, or have held Westpac Low Rate credit card in the last 12 months you are not eligible for this offer. This offer is available with a balance transfer promotion at card application. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

**Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 12th November 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Low Rate credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

#Purchase Rate Promotion: Available when you apply and are approved for a new Low Fee credit card between 12th November 2020 and 31st March 2021. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate then applicable to your card account. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

^^Low Fee Balance Transfer Promotion: This offer is available when you apply and are approved for a new Low Fee credit card between 12th November 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

>Bonus Altitude or Qantas Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Platinum card between 12th November 2020 and 31st March 2021 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months, are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

##Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

>>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 12th November 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date.

++Reduced First year Annual Card Fee: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Platinum card between 12th November 2020 and 31st March 2021. After the first year, the $150 annual card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. 

>>>First year Qantas Reward Fee waiver: A first year Annual $50 Qantas Rewards fee waiver is available when you apply and are approved for a new Altitude Platinum card between 12th November 2020 and 31st March 2021. After the first year, the Annual $50 Qantas Rewards fee applies and will be debited to your card account annually on the 12-month anniversary of the first transaction on your account and annually thereafter. 

*Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction.

<< Altitude Points Accelerated Earn: Available for Altitude Rewards cards only, excludes Westpac Altitude Qantas cards. For details on Accelerated Earn partner airlines and merchants visit Altitude Platinum or Altitude Black. Accelerated Earn partners are subject to change.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB) which may be amended from time to time. Westpac does not guarantee this insurance.

5. Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude or Qantas Points remain the benefit of the primary cardholder.

6. Rewards Points: The earning and redemption of Altitude Points and Qantas Points are subject to the Altitude Terms and Conditions. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Refer to the Altitude Terms and Conditions for information on how you earn points on transactions. Qantas Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit altituderewards.com.au.

Altitude Qantas: In order to earn and redeem points, you must be a member of the Qantas Frequent Flyer program. An annual $50 Qantas Rewards fee applies for customers who choose to earn Qantas Points through Altitude Qantas rewards program.

Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.

SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions (PDF 1MB) available at westpac.com.au. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See Credit Card Terms and Conditions (PDF 200KB) for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.

Autopay: A fixed dollar or percentage of your monthly credit card statement “closing balance” will be paid. If the “closing balance” is less than your nominated amount, only the “closing balance” will be paid. If your nominated amount falls below the “minimum payment due”, Westpac will debit the “minimum payment due”.

Registered to BPAY Pty Ltd ABN 69 079 137 518

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