Credit Card Offers

†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 24th February 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 24th February 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 Cashback promotion: the cashback offer is available when you apply and are approved for a new Westpac Low Rate credit card between 31st August 2021 and 24th February 2022, and spend $4,000 or more on eligible purchases within 4 months (120 days) from card approval. 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. Only one cashback will be paid per customer. $400 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. Existing Westpac customers who currently hold a Low Rate or Lite credit card, or who have held one in the last 12 months, are not eligible for this offer.