Low rate credit cards
Westpac Lite Card
A simple credit card with fewer fees and our lowest purchase rate.
- Variable interest rate of 9.90% p.a. on purchases.
- Up to 45 days interest free on purchases when you pay the closing balance by the statement due date each month.
- No fees for foreign transactions or missed payments.
- Borrow between $500 and $4,000 (credit criteria apply).
Low Rate Card
An everyday credit card with a higher credit limit than the Westpac Lite Card, a low annual card fee and promotional interest rate offers.
- $200 cashback to your account when you spend $400 within 90 days from card approval.
- 0% p.a. for 18 months on balance transfers requested at card application (2% balance transfer fee applies#).
After the promotional period, the balance transfer rate switches to the applicable variable purchase rate.
Apply online in 10 minutes. Get a response in 60 seconds.
Things you should know
Credit criteria, fees and charges apply. Switches, upgrades, or customers accessing employee benefits 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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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.
Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and request at card 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 the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable 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). Interest free days do not apply to credit cards with balance transfers. Cannot be used in conjunction with the Cashback promotion.
#A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account.
Cashback promotion: The cashback offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $400 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. Only one cashback will be paid per customer. $200 cashback will be paid as a statement credit to your respective Low Rate, 55 Day or 55 Day Platinum credit card account within 60 days of meeting minimum spend criteria. Existing Westpac customers who currently hold a Low Rate, 55 Day or 55 Day Platinum credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer. Cannot be used in conjunction with the Balance Transfer promotion.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
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