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Westpac credit card features that stack up

Earn bonus Cashback

Westpac customers can access exclusive bonus Cashback when shopping with their credit card through ShopBack#.

Split your purchases

Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card.

We've got your back

Use the Dynamic CVC on your digital card. The 3-digit number changes every 24 hours for added fraud protection.

#1 Banking App

Manage your credit card in the Westpac App*, with features to help you budget, save and stay on top of your finances.

Ready for a new Westpac Low Rate credit card?

Earn up to $350 cashback on your new credit card

 Get rewarded when you spend

$50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval<.

Already a Westpac customer? We’ll waive your first year’s card fee^^.

New cards only. Credit criteria and T&Cs apply. Month is based on your credit card statement.

Request a 0% p.a. for 28 months balance transfer

 Consolidate your credit card debt

For balance transfers requested at card application**. 2% balance transfer fee applies. After 28 months, the rate reverts to the variable cash advance rate.

Already a Westpac customer? We’ll waive your first year’s card fee^^.

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

Why choose a Westpac low rate credit card?

  • Low ongoing interest rate on purchases: handy if you don't intend to pay off your bill in full each month
  • Low ongoing annual card fee of $59: to help trim your credit card costs, keeping money in your pocket
  • Up to 55 days interest-free: more opportunity to avoid interest charges on your purchases 2

Rates, minimum requirements and fees

New cards only.


$59 Ongoing annual card fee
13.74% p.a.  Variable purchase rate
21.99% p.a. Variable cash advance rate
$500 Minimum credit limit 
$30,000 p.a. Minimum income required


For more information about credit card fees.

Frequently asked questions

Low-rate credit cards generally have a low ongoing interest rate charged on purchases, known as the ‘purchase rate’. Note there’s also a separate ‘cash advance rate’ (for withdrawing cash from an ATM), which is likely to be higher.

Looking for something else?

Westpac Lite

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

Keep exploring

Choosing the right credit card

Finding the right card depends on many different factors. Here are a few things to consider before committing to your new plastic.

Find out how

How do credit cards work?

Credit cards can help you manage short-term cash flow by allowing you to make purchases using your credit card.

Learn more

Helping you pay off your credit card

Getting on top of your finances and putting together a plan to get back on track could be easier when broken down into simple steps.

Explore how

Things you should know

Credit criteria, fees and charges apply. Credit Card Product 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 Cashback promotion: the up to $350 cashback offer is available when you apply and are approved for a new Low Rate credit card between 2nd November 2023 and 31st July 2024. $50 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for the first 7 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. $50 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. This promotional offer is 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 28th February 2024 and 31st July 2024, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. 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. A balance transfer fee of 2% of the transferred balance(s) will apply to balance(s) transferred to the Westpac 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 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.

^^Existing customers only - Low Rate First Year Card Fee Waiver: is available for existing Westpac customers when you apply and are approved for a new Low Rate credit card between 2nd November 2023 and 31st July 2024. After the first year, the $59 card fee will be debited to your account annually on the 12-month anniversary of the Card Fee date.

2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

#Cashback (including Westpac Bonus Cashback) is offered by ShopBack and not Westpac Banking Corporation (Westpac). Cashback offers are not exclusive to Westpac cardholders. Westpac Bonus Cashback is offered exclusively to Westpac cardholders who have access to Bonus Cashback on top of any other available Cashback. Offer information displayed in the Westpac App are provided by ShopBack. The ShopBack account is not a Westpac account. To earn any Cashback, you must hold and maintain an account with ShopBack. Cashback is paid into your ShopBack account. Eligibility criteria, Cashback redemption, withdrawal conditions and T&Cs apply. See ShopBack for further details.

*Claim based on "The Forrester Digital Experience Review™: Australian Mobile Banking Apps, Q4 2023" an evaluation of five Australian Banks. 

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 555KB) 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. Note: To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan. 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 264KB) 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.

Read the Apple Pay Terms and Conditions (PDF 42KB) 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.

Google Pay is a trademark of Google LLC.

Samsung Pay is a trademark or registered trademark of Samsung Electronics Co., Ltd.

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