Card Features
Card Issuer
WestpacLow Rate Credit Card
Pay no interest on purchases and balance transfer for 6 months. This reverts to the low purchase rate of 13.49% making this a great intro offer.
Rates & Fees
| Interest Rate | Balance Transfer | Annual Rate | Interest Free |
|---|---|---|---|
| 13.49%p.a. | 0%6 months | $45 | 55 days |
Key Features
- Protected by CardShield, FalconFraud Protection and MasterCard Secure Code
- Choice of Low Rate Visa or Low Rate MasterCard
- Up to 55 days interest free on purchases
Pros & Cons
Pros
- Introductory offer of 0% p.a. on purchases and balance transfers for the first 6 months
- Up to 55 days interest free on purchases
- Low annual credit card fee of $45
Cons
- Balance transfer rate reverts
Review
Editors Review
The Westpac Low Rate offers 0% p.a. on purchases and balance transfers for the first 6 months. It also comes with a range of fraud protectiona and security benefits.
With this Westpac credit card you also get up to 55 days interest free and get to choose between the Westpac Low Rate Visa and Westpac Low Rate Mastercard.
Similar Cards
| Product Name | Purchases | Balance Transfer | Annual Fee | |
|---|---|---|---|---|
|
|
11.99%p.a | 2.90%12 months | $99 |
|
|
13.24%p.a | 0.99%12 months | $55 |
Application Criteria
- You must be at least 18 Years of Age
- You must have a Good Credit History
- You must be Permanent Resident or Australian Citizen
- You must earn the Minimum Income Required
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TweetTerms and Conditions
Credit Savvy: Westpac's lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not an effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.
- This special balance transfer rate applies to balance transfers from non-Westpac credit, charge or store card(s) when requested at new card application by 16 March 2012. Subsequent balance transfers will be charged at the variable purchase rate then applicable to your card and will be treated as purchases with no interest free days applying to them. Payments to your account will be applied to the lowest applicable interest rate before any other cash advance or purchase amounts in ascending order. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. After 6 months the balance transfer rate will switch back to your credit card variable purchase rate then applicable to your card. Each balance transfer must be a minimum of $200.
- The introductory rate of 0% p.a. on purchases for the first 6 months is only applicable on purchases made using your Low Rate Credit Card within 6 months from the date your account is activated. After the 6 month period, the introductory variable purchase rate of 0% p.a. will switch to the variable purchase interest rate then applicable to your card. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.
- The annual card fee is subject to change.