Up to $350 cashback in the first few months
Earn $50 monthly when you spend at least $1,000 on eligible purchases in each of the first 7 months. A great way to get value right from the start.
0% p.a. balance transfer for 24 months
Transfer debts from other cards and enjoy zero interest for two years (a 2% fee applies). Ideal for consolidating existing credit card balances.
No first-year fee for Westpac customers
Already a Westpac customer? Your first annual fee is waived. After that, it's a competitive $59 per year.
Full control with the #1 banking app in Australia
Manage everything via the Westpac App—track spending, activate your digital card, and set up smart payment plans easily.
A card designed for financial control and lower interest
The Westpac Low Rate Credit Card is tailored for those looking to minimize credit costs and maintain tighter control over their spending. With one of the lowest purchase rates in Australia, it’s ideal for customers who may not pay their full balance monthly. It’s especially beneficial for people looking to reduce interest without sacrificing convenience.
This card also offers ShopBack integration for cashback, SmartPlan options for large purchases, and the ability to split payments over six weeks with PartPay. These features provide everyday financial flexibility without the need for additional financial products.
One of the highlights is its digital functionality. Upon approval, your digital card is instantly available for use via Apple Pay or Google Pay, while the app lets you manage your card completely—monitor spending, receive alerts, and schedule repayments with ease.
You’ll get $50 monthly for 7 months if you spend $1,000 or more on eligible purchases per month. The credit is applied to your statement within 90 days.
Transfer debts from up to three non-Westpac credit/store cards and enjoy 0% interest for 24 months (a 2% fee applies). A smart move for consolidating debt.
Yes! Once approved, activate your digital card via the app and use it instantly through Apple Pay, Google Pay, or Samsung Pay.
Yes, you can add one secondary cardholder (16 years or older) at no extra cost. The primary cardholder is responsible for all charges.
You need a minimum annual income of $30,000 and a credit limit starting at $500. The purchase rate is 13.74% p.a., with a $59 annual fee.
Think it through before applying
The Westpac Low Rate Credit Card offers a smart combination of low rates, digital tools, and valuable promotions. It suits daily use as well as large purchases or balance transfers. Plus, the ability to track everything from your phone puts real control in your hands.
Keep in mind that some promotions are only available to new customers or those who haven’t held a Westpac card in 24 months. Be sure to read the terms before applying, and click the button below to visit the official site for more details.