Westpac
Low Rate Card
Westpac · cred and chrg cards
Provider last updated this product 2026-09-30.
Our Low Rate Card provides a lower interest rate on purchases, plus a lower monthly card fee to help reduce your credit card costs.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 13.74% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on purchases Interest Free Days may apply | |||||||
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on cash advances No Interest Free days | |||||||
| BALANCE TRANSFER | 0.00% | - | OTHER | OTHER | 20 months | - | calculated daily, paid P20M |
| Balance Transfer promotion: Request a 0% p.a. for 20 months balance transfer. For balance transfers requested at card application. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate. New cards only. Credit criteria and T&Cs apply. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Monthly Card Fee | PERIODIC | $7 | $7 monthly card fee |
| Foreign Transaction Fee | TRANSACTION | 3.00% | Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash Advance Fee | CASH_ADVANCE | 3.50% | - |
| Missed Payment Fee | LATE_PAYMENT | $20 | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
| Overlimit Fee | EVENT | $0 | $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. |
| Non-Westpac Group ATM fee | TRANSACTION | - | Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. |
| Credit Card Surcharge | PURCHASE | - | In some instances, businesses may administer a ?surcharge? for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you?re unsure. |
| Balance Transfer Fee | UPFRONT | 3.00% | Balance Transfer promotion: Request a 0% p.a. for 20 months balance transfer. For balance transfers requested at card application. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-08-09 | 2026-09-30 (current) | 0.00% |
Published figures as captured daily since 2026-08-09. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.
- Easily set transaction and transfer limits to place tabs on your spending and tailor how you use your card.
- Minimum repayments : 2.5% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
- You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.
- Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.
- Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.
- Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.
- Want to bank with layers of defence? Explore the features of our everyday banking accounts. Start your banking today to find out how the Westpac Digital card with dynamic CVC can help protect you.
- Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.
- Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.
Instalment plan
- Instalments - 4 instalments
- Purchase size - from $100
- Instalment limit - $50,000
Who can apply
- min age - 1818+ years old
- residency status - Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- min income - 30000.00Earn a minimum $30,000 per annum
- otherCustomer having a regular, verifiable Australian taxable income.
- otherCustomer having a fixed, verifiable residential address in Australia.
Limits
- min limit - 500.00
- max limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T00:47:10Z · Product ID: CCLowRate