The Westpac Low Rate Credit Card offers $400 cash back. Ongoing benefits include a low ongoing interest rate.
Updated 18 May 2022
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As the name suggests, the Westpac Low Rate credit card is one of Westpac's low interest rate products. Featuring a competitive Purchase interest rate of 13.74%, and including up to 55 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 25% lowest purchase rates. Further, the product has a $59 annual fee. As a result, this card ranks among the lowest 25% annual fee products.
Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive. Other benefits include no additional cardholder fees.
No rewards program
$59 annual account fee
No additional cardholder fee
Up to 1 additional cardholder
3.00% international transaction fee
Other fees may apply.
13.74% p.a. purchase rate
21.49% p.a. cash advance rate
Up to 55 interest fee days on purchases
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.