Low Rate Card – Personal Credit Cards, Westpac, variable rate credit card.#Variable #rate #credit #card


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Low Rate Card

Apply online in 10 minutes. Get a response in 60 seconds.

Essentials

Trim your costs. Get back to enjoying life.

Features

  • Annual card fee of $59 – the lowest fee of its type among our credit cards.
  • Take advantage of a low variable purchase rate of 13.49% p.a. (cash advance rate of 21.49% p.a.)
  • Up to 55 days interest free on purchases when you pay the closing balance (including any balance transfer amount) by the statement due date each month.

Variable rate credit card

Did you know that the Low Rate credit card is our most popular credit card?

Your choice of promotion

All special offers are for new cards only and are valid until 26th October 2017. See ‘Things you should know’ below.

0% p.a. for 18 months

on balance transfers requested at card application (2% balance transfer fee applies # )

Apply for balance transfer offer

$200 cashback

to your account when you spend $400 within 90 days from card approval.

Apply for cashback offer

Cardholder

Add one additional cardholder (16 years or older) at no extra cost. The account holder (primary cardholder) is liable for all transactions made on the primary card as well as the transactions made on any additional cards associated with the account.

More reasons to choose a Westpac credit card

When you combine your Westpac Low Rate credit card with our online banking experience you can:

  • Help pay down your credit card balance with SmartPlan
  • See your card balance at a glance with Quick Balance
  • Login quickly and securely using fingerprint login
  • Leave your card at home and tap and pay with a Mobile Wallet
  • Make automatic credit card repayments easy, with Card Autopay
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds.

Security

  • Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers
  • Feel secure, with our Fraud Money Back Guarantee
  • Enjoy the convenience of tap and pay, with the security of a microchip.

(these may change)

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances.

Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.

These charges will appear on your credit card statement directly below the relevant cash advance.

Special balance transfer promotion:

See ‘Things you should know’ below for terms and conditions.

Apply for balance transfer offer

Apply online in 10 minutes.

Get a response in 60 seconds.

Apply for $200 cashback offer

Apply online in 10 minutes.

Get a response in 60 seconds.

Give us a call

8am – 8pm, 7 days a week

Things you should know

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.

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

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The applicable variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac 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. Cannot be used in conjunction with the Cashback promotion.

# 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.

Cashback promotion: The cashback offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 29th June 2017 and 26th October 2017 and spend $400 on eligible purchases within 90 days from card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. Only one cashback will be paid per customer. $200 cashback will be paid as a statement credit to your respective Low Rate, 55 Day or 55 Day Platinum credit card account within 60 days of meeting minimum spend criteria. Existing Westpac customers who currently hold a Low Rate, 55 Day or 55 Day Platinum credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer. Cannot be used in conjunction with the Balance Transfer promotion.

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

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