If you apply by 30 April 2024 and request a balance transfer as part of the application, you’ll get a 0% p.a. balance transfer rate for the first 28 months. This offer has no balance transfer fee but if you’re still paying off the balance at the end of the introductory period, a high 21.49% p.a. interest rate applies.
This low rate card has a 13.74% p.a. purchase rate and a $59 annual fee that’s also at the lower end of the scale. If you’re looking for a buy now pay later alternative, the Westpac Low Rate Card also comes with SmartPlan instalment options.