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Cashback offer

Westpac Low Rate credit card

Up to $400 cashback

$100 cashback for each month you spend $1k+ on eligible purchases in the first 4 months of Westpac Low Rate card approval<.

Already with Westpac? Sign in to apply and we’ll waive your first year’s card fee^^.


Bonus rewards points with balance transfer offers

Westpac Altitude Platinum credit card

110,000 bonus Altitude Points

Earn 110,000 bonus Altitude Points on the Altitude Rewards Platinum card and and a balance transfer offer for 24 months.

Plus, a reduced $49 annual card fee for the first year ($150 thereafter)

Already with Westpac? Sign in to apply and we’ll waive your Annual Card Fee for the first year.

Westpac Altitude Platinum credit card

75,000 bonus Qantas Points

Earn 75,000 bonus Qantas Points on the Altitude Qantas Platinum card and a balance transfer offer for 24 months.

Plus, $49 annual card fee for the first year ($150 thereafter).

Already with Westpac? Sign in to apply and we’ll waive your Annual Card Fee for the first year. A $50 Qantas annual rewards fee still applies.

75,000 bonus Velocity Points

Earn 75,000 bonus Velocity Points on Altitude Velocity Platinum card and a balance transfer offer for 24 months..

Plus, $49 annual card fee for the first year ($150 thereafter).

Already with Westpac? Sign in to apply and we’ll waive your Annual Card Fee for the first year. A $50 Velocity annual rewards fee still applies.

Westpac Altitude Black credit card

140,000 bonus Altitude Point

Earn 140,000 bonus Altitude Rewards Points on the Altitude Rewards Black card. Plus, a balance transfer offer for 24 months. 

Plus, $99 annual card fee for the first year ($250 thereafter).

Already with Westpac? Sign in to apply for a $49 annual card fee for the first year ($250 thereafter).

Westpac Altitude Black credit card

Up to 120,000 bonus Qantas Points

Earn up to 120,000 bonus Qantas Points on the Altitude Qantas Black card. Plus, a balance transfer offer for 24 months.

Already with Westpac? Sign in to apply to get $100 on your first year annual card fee. A $50 annual Qantas rewards fee still applies.

 

Up to 120,000 bonus Velocity Points

Earn up to 120,000 bonus Velocity Points on the Altitude Velocity Black card. Plus, a balance transfer offer for 24 months.

Already with Westpac? Sign in to apply to get $100 on your first year annual card fee. A $50 annual Velocity rewards fee still applies.


Purchase rate offer

Westpac Low Rate credit card

Balance transfer and first year fee waiver offer

Westpac Low Rate credit card

0% p.a. for 28 months on balance transfers**

Requested at application of a Low Rate card.

1% balance transfer fee applies. After 28 months the rate reverts to the variable cash advance rate.

Plus, a first year fee waiver (saving you $59)^^.


Need help with credit cards?

Things you should know

†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

#Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply and are approved for a new Low Fee credit card between 19th October 2021 and 30th June 2022. After 15 months the rate will switch to the variable purchase rate then applicable to your card account.

**Low Rate Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 31st August 2021 and 30th June 2022, 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 unless the amount is paid off earlier. 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.

^^Low Rate First-Year Card Fee Waiver: is available when you choose the balance transfer offer, or if you are an existing customer and choose the cashback offer. You need to apply and be approved for a new Low Rate credit card between 24th February 2022 and 30th June 2022. After the first year, the $59 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.

<Low Rate Cashback promotion: the $400 cashback offer is available when you apply and are approved for a new Low Rate credit card between 24th February 2022 and 30th June 2022. $100 cashback will be awarded for every month (statement period) $1,000 or more is spent on eligible purchases for the first 4 statement periods from card approval. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Cashback is only available on one credit card account per customer. $100 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer.