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- Low Rate Card (Balance Transfer offer)
Westpac Low Rate Card (Balance Transfer offer)
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
0% for 28 months on balance plus $0 annual fee for the first year
~ Ends in 3 months0% p.a. for 28 months on balance transfers requested at card application**. 2% balance transfer fee applies. After 28 months the rate reverts to the variable cash advance rate. A New cards only. Credit criteria and T&Cs apply.
Purchase rate p.a.
13.74%
Balance transfer rate
0%
Annual fee
$0
for 12 months then $59 thereafter
Westpac Low Rate Card (Balance Transfer offer)
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
13.74%
Balance transfer rate
0%
Annual fee
$0
for 12 months then $59 thereafter
Pros and Cons
For Westpac Low Rate Card (Balance Transfer offer)
Benefits
- Lower than average ongoing variable purchase rate
- $0 annual fee in the first 12 months and $59 p.a thereafter.
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- No reward program
Westpac Rate Credit Card overview
For Low Rate Card (Balance Transfer offer)
Details
Card level
Standard
Card type
MasterCard
Interest free days
55
Minimum monthly repayment
2% or $10
Minimum credit limit
$500
Maximum credit limit
$50,000
Free supplementary cards
Instant approval
Target Market Determination
Visit Westpac Banking Corporation Ltd to view Target Market Determination.
Fees
Annual fee
$0
for 12 months then $59 thereafter
Annual Fee Spend Waiver
Supplementary card annual fee
$0
Late payment fee
$15
Over limit fee
$15
Duplicate statement fee
$2
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
13.74%
Cash advance rate
21.49%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
0%
Transfer limit
50000
max card limit
Balance transfer fee
1%
Overseas spending
Foreign exchange fee
Overseas charges
$2.5
Estimated ATM cost
$11.5
for AU $300 withdrawal
Rewards
Program name
Rewards available
Eligibility
Minimum age
18
Minimum income
Eligibility conditions
You have a regular, verifiable income
Residency
Australia CitizenPermanent Resident
