Get up to $250 cashback when you apply online by 1 November 2023. Get a $50 cashback each month you spend over $1,000 for the first 5 statement periods.
Low ongoing 13.74% p.a. interest rate on purchases.
$59 p.a. annual fee.
Pros and cons
Get up to $250 cashback when you meet the criteria.
Low 13.74% p.a. interest rate on purchases.
55 days interest-free on purchases.
$500 minimum credit limit.
No rewards program although there is a cashback offer.
No complimentary travel insurance.
Rates and fees
Additional cardholders. You can add an additional cardholder for free, allowing you to share the account with a family member. The account holder will be responsible for managing the account and for any repayments.
Digital wallets. This card is compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
Gambling transactions. Gambling transactions are not allowed with this card.
Rewards and benefits
Complimentary travel insurance. The Westpac Low Rate Cashback Credit Card does not provide complimentary international travel insurance coverage.
Concierge services. The Westpac Low Rate Cashback Credit Card does not offer a concierge service.
Insurances. This card offers repayment insurance and fraud protection.
Rewards points. This credit card does not have a rewards program.
Sign-up bonus. Westpac offers a sign-up bonus of $250 cashback when you spend over $1,000 on eligible purchases within the first 5 statement periods after card approval.
Rates and fees
Annual fee. There is a $59 p.a. annual fee for this card.
Balance transfers. The Westpac Low Rate credit card comes with the option of a 0% p.a. balance transfer for 28 months with a 2% balance transfer fee. This reverts to the variable cash advance rate after 28 months.
Cash advances. Cash advances with the Westpac Low Rate Cashback Credit Card are subject to a 21.49% p.a. interest rate, with interest accruing immediately. Westpac will charge a one-off fee to process cash advances with this card.
Foreign exchange fee. Any purchases made in a foreign currency, either at home or abroad, will incur a 3% fee.
Interest-free period. Enjoy up to 55 days interest-free on purchases with the Westpac Low Rate Cashback Credit Card when you pay off your previous balance in full or make the minimum required payment.
Purchases. The Westpac Low Rate Cashback Credit Card has an ongoing purchase rate of 13.74% p.a., with no introductory offer.
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