Westpac Low Rate
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Moneybuddy says
No frills low rate card from Westpac with a very low * month balance transfer offer and a low purchase rate. Cash advance rate is high but fairly standard, and Worldwide acceptance and free additional cardholder are nice extra features.
The Basics
Card class Mastercard / Visa
Card type Credit card
Purchase rate p.a. -
Balance transfer rate p.a. -
Annual fee -
The cool stuff: features
Reward program -
Reward program name -
Reward program details -
Reward program terms -
Additional card holder No
Add. card holder details -
Purchase security -
Extended warranty -
International travel insurance -
Online access No
Phone access No
The Facts & Figures
Purchase rate p.a. -
Cash advance rate p.a. -
Introductory purchase rate p.a. -
Introductory purchase rate period -
Introductory balance transfer period -
Balance transfer rate p.a. -
Introductory balance transfer rate p.a. -
Interest free days -
Minimum repayment -
Min. credit -
Max. credit -
Cash advance limit -
Cash advance limit period -
The ugly stuff: fees
Reward program fee -
Late payment fee -
Atm fee -
Foreign exchange fees -
* Important note: All product information comes from the product provider or an affiliate and to the best of our knowledge is correct at time of publishing.
Westpac says
A simple no frills card with a low interest rate on purchases.
Annual fee: $**, Interest rate: **.**% pa for purchases, **.**% pa for cash advances, *.**% p.a. for * months on balance transfers made at card application, Up to ** 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, Accepted at over ** million locations worldwide, Optional - Credit Card Repayment Protection
Key features
- A simple
- no frills card with a low rate on purchases
- *.**% p.a. on balance transfers for up to * months
- $** annual fee
- Up to ** 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
- Accepted at over ** million locations worldwide
- Protection of purchases with Westpac’s Cardshield
- Response in less than ** seconds
Pros
- Very low * month balance transfer offer
- Low purchase interest rate
- Worldwide acceptance
- Free additional cardholder
Cons
- High cash advance rate
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