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Start with a balance transfer, finish like a boss.

Low Rate card
  • $0 annual card fee for the first year* ($59 annually thereafter)
  • Variable purchase rate: 13.49% p.a.
  • Variable cash advance rate: 19.49% p.a.



Here's why you'd choose our Low Rate card.

Plan repayments with SmartPlan

SmartPlan helps you stay on top of large purchases and balance transfers by breaking them down into regular installments. 

Misplaced your card? Lock it.

When you're not sure where you left your card, simply use Card on Hold to lock it instantly and unlock it when you find it.

Take the stress out of payments

Set up autopayments or SMS payment reminders so you can stay on top of what you need to pay on your credit card.

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 280KB)

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. The balance transfer promotion and first year annual card fee waiver is available to customers who apply via this web page (offer not available in branch or via call centres) for a new Westpac Low Rate credit card between 1 May and 31 July 2018.

#Balance transfer promotion: This offer is available when you apply for a new Low Rate card between 1 May and 31 July 2018, 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 2% of the transferred balance(s) will be charged to the 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. We 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.

*Annual card fee waiver: $0 first year annual card fee promotion. The first year annual card fee waiver is available when you apply for a new Westpac Low Rate credit card between 1 May and 31 July 2018. The first annual card fee will be debited on the 12 month anniversary of the first transaction (including balance transfers) on your account and annually thereafter.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.