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Choose the offer that works for you.

Low Rate cashback offer

Want cashback? Choose this offer

$400 Cashback with $4k+ spend on eligible purchases within 4 months of card approval.<

Plus, $0 card fee for the first year (saving you $59).^^

New cards only. Credit criteria and T&Cs apply.

Low Rate balance transfer offer

★ Want to reduce how much interest you pay? Choose this offer.

0% p.a. for 28 months on balance transfers requested at card application**. 1% balance transfer fee applies. After 28 months the rate reverts to the variable cash advance rate.

Plus, $0 card fee for the first year (saving you $59).^^

New cards only. Credit criteria and T&Cs apply.

At a glance

$0 First year annual card fee^^
$59 Annual card fee ongoing
13.74% p.a.  Variable purchase rate
21.49% p.a. Variable cash advance rate
$500 Minimum credit limit 
$30,000 p.a. Minimum income required

See below for standard rates and fees.


Why choose the Low Rate card?

A low interest rate on purchases

With one our lowest credit card interest rates on purchases, you’re more likely to save on interest charges in those months you don’t repay the full amount. 

No card? No problem

On top of Apple Pay, Samsung Pay and Google Pay, you can activate and use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

Shopping discounts

You don’t need a rewards card to get rewarded. Westpac Extras includes personalised cashback offers sent directly to your email. Simply use your card as normal and we’ll automatically credit your account.

Other reasons to choose

From verifying suspicious transactions to our fraud money back guarantee, we aim to keep you protected.

Manage your repayments with options like SmartPlan1Card Autopay and SMS payment reminders.

Could this credit card be suitable for you?

It could be if:

  • You don’t repay your purchases in full each month (taking advantage of a lower purchase interest rate)
  • You want credit card convenience


There may be better options if:

  • You’ll repay your purchases in full each month, consider our Low Fee cards
  • You want rewards points, consider our Rewards cards
  • You want the balance transfer offer to pay off other card debts, but think you’ll take longer than the 28-month offer period to fully repay it, consider our personal loans
Annual card fee $59
Foreign transaction fee


Payable as a percentage of the Australian dollar value of any foreign transaction.

Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee

3.0% of the value of the transaction will apply to each cash advance made on your card account.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.
Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMs across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.
Credit card surcharge In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.

Alternative credit cards

Westpac Lite

Our lowest interest rate on purchases, no foreign transaction fees and a card fee that’s charged in smaller monthly increments.

Find out more about Westpac Lite card

Frequently asked questions

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.

Before you apply

Follow this section to improve the likelihood your application is approved. 

You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help:

  1. Make sure you’re meeting your current repayment obligations for

    - other credit cards or loans (including lenders such as afterpay and zip pay)

    - rent as well as utilities such as your phone, internet and electricity.

2. Check the details on your credit report are correct before applying. Head to and follow the links to a free credit report. More about credit reports.

3. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.

Make sure you have everything in the list below:

  • Current debts in your name (e.g. home loan, personal loans, other credit or store cards as well as instalment purchases such as zip pay) 
  • Proof of income. If your pay doesn’t already go into a Westpac account, you’ll need to show at least one of the following:

    o Two payslips from your main employer from the last two months

    o A Government Authority statement from the last two months confirming your pension or           allowance

    o Rental income proof covering the last three months

    o Self-employed? You’ll need to show you’ve been in business for at least 18 months, the             last two months’ business bank statements and last year’s Notice of Assessment. 

  • All your regular monthly expenses (including phone bills, insurances etc.)
  • Your frequent flyer number (if applying for an Altitude Qantas or Altitude Velocity card)
  • If you want to transfer the balance of another account or credit card, we’ll need those details too.

If you’re already a Westpac customer, you’ll also need to:

  • Sign into online banking to double-check your personal details (name, address etc) are up-to-date
  • Apply as an existing customer in the application form
  • We will have answered some of the basic questions such as personal details (name, address etc) on your application for you. Check that they’re correct.

Additional eligibility criteria or documentation may be required.

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.

^^ Low Rate First-Year Card Fee Waiver: is available when you apply and are approved for a new Low Rate credit card between 31st August 2021 and 24th February 2022. After the first year, the $59 annual card fee will be debited to your account annually on the 12-month anniversary of the first transaction on 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.

2. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

1 SmartPlan: SmartPlan is currently available for eligible 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 503KB) available at 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 227KB) 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”. Not applicable to Flex Card. For more information on applicable Autopay preferences on Flex Card, refer to the Terms and Conditions (PDF 156KB).

Read the Apple Pay Terms and Conditions (PDF 79KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.