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The important numbers

Ongoing annual card fee $59
Variable purchase rate 13.74% p.a. 
Variable cash advance rate 21.49% p.a.
Minimum credit limit $500

New cards only

Balance transfer offer

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

When requested at card application. After 28 months any remaining balance transfer amount reverts to the variable cash advance rate.

New cards only. Credit criteria and T&Cs apply. Your current credit card issuer must accept BPAY payments to be eligible.

What you'll get

  • A lower interest rate on purchases than our Low Fee and Rewards cards
  • A lower annual card fee than our Rewards cards
  • Up to 55 days interest-free on purchases²
  • Cash advances (no interest-free days on these)
  • Option to split purchases of $100 or more into 4 payments over 6 weeks using PartPay Card​


  • A higher interest rate on purchases than our Lite card
  • A higher annual card fee than our Low Fee card
  • No rewards points or complimentary insurances

Check whether you’re more likely to be approved

You must be

  • Aged 18 or over
  • An Australian citizen or permanent resident
  • Or a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
  • A fixed residential address in Australia  

Regular Income

A regular, verifiable Australian taxable income for at least 3 months (18 months for self-employed)

Regular repayments

You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)

What you'll need

At least two forms of ID

Australian driver licence, Medicare card, Passport, Australian birth certificate (Have your mobile handy as we’ll be sending you verification codes).

Current debts

Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay.

Proof of income

Recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment.

Still not sure what you need? Check our application documents page for all the details.

Check your credit history

Before applying you may like to confirm that your credit report is up-to-date. Head to and follow the links to a free credit report (subject to eligibility). More about credit reports.


Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
  • You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.


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 Balance Transfer promotion: This offer is available when you apply for a new Low Rate credit card between 2nd November 2023 and 30th April 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. 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.

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.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.