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The Westpac Low Rate Credit Card is suited to people who want a low-cost account with simple features. If you apply as a new customer by 30 June 2022 you can also get $100 cashback on your account when you spend $1,000 on eligible purchases each month for the first 4 statement periods from card approval.
6.99% p.a.
Balance transfer rate
for 12 months
13.74% p.a.
Purchase rate
$59 p.a.
Annual fee
55 days
Interest free period
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Product Name | Westpac Low Rate Card - Cashback Offer |
---|---|
Balance transfer rate p.a. | 6.99% for 12 months |
Balance transfer revert rate | Cash Advance Rate (21.49% p.a.) |
Balance transfer limit | 80% of available limit |
Purchase rate p.a. | 13.74% |
Annual fee | $59 |
Interest-free period | Up to 55 days on purchases |
Cash advance rate | 21.49% p.a. |
Min credit limit | $500 |
Max credit limit | $25,000 |
Card type | Mastercard |
Foreign currency conversion fee | 3% |
Minimum income | $30,000 |
---|---|
Available to temporary residents | No |
Joint application | No |
Bonus points | N/A |
---|
Annual fee | $59 |
---|---|
Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
Late payment fee | $15 |
Foreign currency conversion fee | 3% |
Cash advance fee | 3% |
Overseas cash advance fee | 2% |
Additional cardholder fee | $0 |
Number of additional cardholders | 1 |
Review by
Amy has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.