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Start with the Low Rate credit card, finish like a boss.

Put your card on the right track with 0% p.a. on balance transfers for 24 months#

when requested at card application. A fee of 2% of the transferred balance applies#. After the promotional period, the variable cash advance rate, currently 19.49% p.a. applies to any unpaid amount.
Offer available via this promotional page only until 11 June 2018. New cards only.


The important numbers.

Low Rate card


  • Keep costs down with a low annual card fee of $59
  • 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 186KB)

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 Westpac group staff are ineligible. Offer may be withdrawn or extended at any time.

#Balance transfer promotion: This offer is available when you apply for a new Low Rate card between 1st February 2018 and 11th June 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.

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