Westpac Low Rate

Moneybuddy says

No frills low rate card from Westpac with a special promotion of 0% p.a balance transfer offer for up to 16 months, if you apply before Jan 30th, 2017. After the 16 month period the remaining balance will revert to the purchase rate of 13.49% p.a. Also get an introductory purchase rate of 1% p.a. for up to 12 months. The standard variable cash advance rate is only 21.49% p.a. Worldwide acceptance and free additional cardholder are good extra features. This card also offers Optional Credit Card Repayment Protection, in case you lose your job or can’t work due to illness or injury.

The Basics

Card class Visa

Card type Credit card

The cool stuff: features

Reward program No

Reward program name -

Reward program details -

Reward program terms -

Additional card holder Yes

Add. card holder details Add one additional cardholder (16 years or older) at no extra cost

Purchase security Yes

Extended warranty -

International travel insurance -

Online access No

Phone access No

The Facts & Figures

Purchase rate p.a. 13.49%

Cash advance rate p.a. 21.49%

Introductory purchase rate p.a. 1.00%

Introductory purchase rate period (months) 12

Introductory balance transfer period (months) 16

Balance transfer rate p.a. -

Introductory balance transfer rate p.a. 0%

Interest free days 55 days

Minimum repayment -

Min. credit $500

Max. credit $40,000

Cash advance limit -

Cash advance limit period

The ugly stuff: fees

Reward program fee -

Late payment fee $9

Atm fee -

International transaction fees Yes

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Westpac says

A simple no frills card with a low interest rate on purchases.

Annual fee: $0 Interest rate in the first year for existing Westpac customers. 0% p.a on Balance Transfers for 16 months if you apply before Jan 30th, 2017. 1% p.a. on purchases for up to 12 months. 21.49% pa for cash advances, Up to 55 days interest free on purchases if closing balance, including any balance transfer amount, is paid in full by the statement due date each month, Additional cardholder at no extra cost, Optional - Credit Card Repayment Protection. Also, Westpac Mobile Banking for on-the-go service on your smartphone.

Key features

  • A simple no frills card with a low rate on purchases
  • 0% p.a promotional rate on balance transfers for up to 16 months
  • 1% p.a. on purchases for up to 12 months
  • Up to 55 days interest free on purchases when closing balance
  • including any balance transfer amount is paid in full by the statement due date each month
  • Additional cardholder at no extra cost
  • Protection of purchases with Westpac Cardshield
  • Response in less than 60 seconds


  • Low 0% p.a on balance transfers for 16 months
  • Worldwide acceptance
  • 1% p.a. on purchases for up to 12 months
  • Free additional cardholder
  • Low variable rate of interest of purchases currently 13.49% p.a

Terms & conditions

The Balance Transfer Rate and special purchase rate promotion is a special promotion when you apply before Jan 30th, 2017. 0% p.a. for up to 16 months on balance transfers requested with card application for new Low Rate Visa. After the 16 month period, the interest rate on remaining balance will revert to the variable purchase rate currently at 13.49% p.a.

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