Westpac Low Rate Credit Card (Cashback offer)
4.4
Highlights
- Get up to $350 cashback when you apply online by 30 April 2025. Receive a $50 cashback monthly for spending over $1,000 in the first 7 statement periods.
- A low 13.74% p.a. interest rate on purchases helps keep costs manageable.
- Split purchases over $100 into 4 payments over 6 weeks with PartPay, making it easier to manage larger expenses.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
$30,000.00
Temporary Residents Accepted
Yes
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$500.00
Maximum Credit Limit
$50,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
21.99% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
13.74% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$59.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$15.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. You can add a cardholder for free, allowing you to share the account with a family member. The account holder will be responsible for managing the account and making any repayments.
- Digital wallets. This card is compatible with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.
- Gambling transactions. Gambling transactions are not allowed with this card.
Rewards and benefits
- Complimentary travel insurance. The Westpac Low Rate Cashback Credit Card does not provide complimentary international travel insurance coverage.
- Concierge services. The Westpac Low Rate Cashback Credit Card does not offer a concierge service.
- Insurances. This card offers repayment insurance and fraud protection.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. Westpac offers a sign-up bonus of $350 cashback when you spend over $1,000 on eligible purchases within the first 7 statement periods after card approval.
Rates and fees
- Annual fee. There is a $59 p.a. annual fee for this card.
- Balance transfers. This card doesn’t include a balance transfer offer, but the Westpac Low Rate Credit Card (Balance transfer offer) might be a good option for balance transfers.
- Cash advances. Cash advances with the Westpac Low Rate Cashback Credit Card are subject to a 21.49% p.a. interest rate, with interest accruing immediately. Westpac will charge a one-off fee to process cash advances with this card.
- Foreign exchange fee. Any purchases made in a foreign currency, either at home or abroad, will incur a 3% fee.
- Interest-free period. Enjoy up to 55 days interest-free on purchases with the Westpac Low Rate Cashback Credit Card when you pay off your previous balance in full or make the minimum required payment.
- Purchases. The Westpac Low Rate Cashback Credit Card has an ongoing purchase rate of 13.74% p.a., with no introductory offer.
Reviewed by Credit Card Compare Staff
History
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Rates and fees
Rewards
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