Westpac Low Rate

Purchase rate
12.49%

Balance transfer rate
0%

Annual fee
$45

Moneybuddy says

No frills low rate card from Westpac with a very low 6 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 12.49%

Balance transfer rate 0%

Annual fee $45

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 12.49%

Cash advance rate 20.49%

Introductory purchase rate -

Introductory purchase rate period -

Introductory balance transfer period 6 months

Balance transfer rate 3.99%

Introductory balance transfer rate 0%

Interest free days 55 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 information provided by advertiser or taken from advertiser website and correct at time of publishing. If this information is incorrect, please contact us.

Westpac says

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

Annual fee: $45, Interest rate: 11.99% pa for purchases, 19.98% pa for cash advances, 3.99% p.a. for 6 months on balance transfers made at card application, 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, Accepted at over 28 million locations worldwide, Optional - Credit Card Repayment Protection