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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

Balance transfer offer

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

When requested at card application. 1% balance transfer fee applies. After 28 months any remaining balance transfer amount reverts to the variable cash advance rate.

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

$0 first year annual card fee^^

After the first year, the annual card fee is $59.

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

What you'll get

  • A lower interest rate on purchases than our Rewards cards
  • A lower annual card fee than our Rewards cards
  • Up to 55 days interest-free on purchases²
     

Considerations

  • 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

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; Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date; 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); Flexi Loan.


 

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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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 Balance transfer promotion: This offer is available when you apply for a new Low Rate credit card between 31st August 2021 and 30th November 2021, 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 First-Year Annual Card Fee Waiver: is available when you apply and are approved for a new Low Rate credit card between 31st August 2021 and 30th November 2021. 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. 

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.