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

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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

Early Spend 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

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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

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3 Reviews

Overall rating: ★★★★☆ based on 3 reviews.

Perfect for me

★★★★★

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

- Sheldon

quite good card

★★★★☆

“ I had many advantages since getting this credit card, I highly recommend it although it gets a bit expensive after the introductory period.”

- Christine

Could be better

★★★☆☆

“ 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.”

- Rylen

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