Westpac Low Rate Card (Existing Customers)
$0 first year annual fee
0 points
$500 min limit
$30,000 annual income required
0.00 points per dollar
Spend $7,000 in 210 days
Offer Details
No Annual Fee
0
Cash Bonus
$350Cashback
Ongoing Earn Rate
0.00x points per $1 spent
Fees
First Year Annual Fee
Free
Ongoing Annual Fee
$59
From year 2 onwards
Note: Additional fees may apply for cash advances, foreign transactions, overlimits, and late payments. Check the issuer's terms and conditions for complete fee details.
Benefits
Buy Now Pay Later
Split purchases over $100 into 4 payments over 6 weeks with the PartPay feature on the credit card.
Online Banking Features
Manage the credit card in the Westpac App with features to help budget, save, and stay on top of finances.
No Annual Fee
First year card fee waived for existing Westpac customers when approved for a new Low Rate credit card.
Balance Transfer Offers
0% p.a. for 24 months on balance transfers requested at card application with a 2% balance transfer fee.
Interest Free Periods
Up to 55 days interest-free period on purchases when the closing balance or monthly payment balance is paid in full by the due date.
No Additional Cardholder Fee
One additional cardholder (16 years or older) can be added at no extra cost.
Digital Wallet Integration
Card can be added to Apple Pay, Samsung Pay, and Google Pay for digital payments.
Digital Card Issuance
Instant digital card activation and use in the Westpac App from the moment the account is opened, before the physical card arrives.
I'd like to use my bonus for:
Craig's AnalysisBonus Difficulty
Easy
●○○$33 per day required
First Year Cost
Free
annual fee
Earn Rate
Poor
●○○○0.00x Westpac points per $1
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$350 of profit after meeting spend requirements
+ $350 cashback extra bonus
- $0
annual fee
No annual fee
$50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval
History
23 Jan 2025
2 changes
Expiration Date:
30 Apr 2025
Interest Rate:
14.0013.74
- Bonus Cash changed from 250 to 3502 years ago
- Expiration changed from 30/04/24 to 31/07/24, Bonus Cash from 250 to 350, Notes from $50 cashback for each month you spend $1,000 or more on eligible purchases in the first 5 months from card approval to $50 cashback for each month you spend $1k or more on eligible purchases in the first 7 months from card approval2 years ago
- Expiration changed from 01/11/23 to 30/04/24, Spend For Bonus from $5000 to $7000, Bonus Period from 150 to 210 days2 years ago
- Changed from 4 months, to 5 months of $50 per month cashback3 years ago