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Westpac Low Rate Credit Card Reviews & Info

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Contact Information

  • Telephone: +61 2 9293 9270
  • E-Mail: online@westpac.com.au
  • Mailing Address: 275 Kent Street, Sydney NSW 2000

The Westpac Low Rate Credit Card offers its holders various signup bonuses including no interest for the first 55 days after account opening, 0% APR for 16 months on balance transfers, 1.00% purchases APR for up to 1 year from card approval and $0 annual fee in the first year for existing Westpac customers.

Card Information

Rewards

N/A

Signup Bonus

0% APR for 16 months on balance transfers.
1.00% purchases APR for up to 1 year from card approval.
$0 annual fee in the first year for existing Westpac customers.
Interest free for the first 55 days.

Annual Fee

$59

Cash Advance APR

21.49% variable according to the Prime Rate

Late Payment Fee

$9

Purchases APR

13.49% variable according to the Prime Rate

Pros and Cons

Pros

+ Low late payment fee
+ No interest at the beginning
+ Other signup bonuses

Cons

- Annual fee
- High cash advance APR
- No rewards after the first year

3 Reviews

Westpac Low Rate Credit Card Overall rating: ★★★★☆ 4 based on 3 reviews
5 1

Could be better

★★★☆☆
3 5 1
First year is awesome if you have this card, but afterwards it’s not so great anymore – annual fees, interest rates, no rewards…However, they still have a great customer service.

quite good card

★★★★☆
4 5 1
I had many advantages since getting this credit card, I highly recommend it although it gets a bit expensive after the introductory period.

Perfect for me

★★★★★
5 5 1
This card is awesome, particularly in the first year with all the benefits available such as no interest and annual fee.
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