---
title: "Low Rate Card — Westpac"
description: "Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/westpac/products/CCLowRate
source: "CDR Compare"
language: en-AU
last_updated: 2026-10-14T02:34:17Z
---

# Low Rate Card — Westpac

> Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

Our Low Rate Card provides a lower interest rate on purchases, plus a lower monthly card fee to help reduce your credit card costs.

## At a glance

- **Purchase rate:** 13.74%

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Balance transfer (Balance Transfer promotion: Request a 0% p.a. for 20 months balance transfer. For balance transfers requested at card application. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate. New cards only. Credit criteria and T&Cs apply. · New customers only) | 0% | — | — |
| Purchase (Interest on purchases · Interest Free Days may apply) | 13.74% | — | — |
| Cash advance (Interest on cash advances · No Interest Free days) | 21.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Card Fee — Charged monthly · $7 monthly card fee · Discount −$7.00 — Card Fee Waiver (eligibility: Introductory period: Existing customers only - Low Rate First Year Card Fee Waiver:�Offer commenced 28th May 2026. First Year Card Fee Waiver is available for existing Westpac customers when you apply and are approved for a new Low Rate credit card before the offer is withdrawn. After the first year, the�$7 monthly card fee will be debited to your account on a monthly basis.�This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.) | Ongoing | $7.00 |
| Foreign Transaction Fee — Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. | Transaction | 3% of transaction |
| Cash Advance Fee | Cash advance | 3.5% of transaction |
| Missed Payment Fee — Applies for 1 month · $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. | Late payment | $20.00 |
| Overlimit Fee — $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | Event | $0.00 |
| Non-Westpac Group ATM fee — Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. | Transaction | Variable |
| Credit Card Surcharge — In some instances, businesses may administer a ?surcharge' for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you're unsure. | Purchase | Variable |
| Balance Transfer Fee — Balance Transfer promotion: Request a 0% p.a. for 20 months balance transfer. For balance transfers requested at card application. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate. | Upfront | 3% of balance |

## Instalment plans

- **Plan splits** — 4 instalments
- **Minimum plan value** — $100.00

## Features

- **Additional cards** — up to 1 (You can add one additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions made with either card.)
- **Interest-free period** — 55 days
- **Digital wallet** — Garmin Pay (Tap and pay quickly and easily using Garmin Pay.)
- **Digital wallet** — Apple Pay (Tap and pay quickly and easily using Apple Pay.)
- **Digital wallet** — Google Pay (Tap and pay quickly and easily using Google Pay.)
- **Digital wallet** — Samsung Pay (Tap and pay quickly and easily using Samsung Pay.)
- **Click to Pay - Online shopping made quick, simple and secure with Click to Pay.**
- **Digital banking** (Digital Card - We got your back. Use the Dynamic CVC on your digital card. The 3 digit number changes every 24 hours for added fraud protection.)
- **Notifications** — Know what to pay when - Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments.
- **Loyalty program** — Westpac Lounge on ShopBack (Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.)
- **Loyalty program** — Westpac Extras
 (Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.)
- **Cashback offer** — 450.00 (Earn up to $450 cashback on your new credit card - $75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval. Already a Westpac customer? We'll waive your first year's card fee. Offer not available if you've held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.)
- **Interest-free transfers** — 20 months (Balance Transfer offer: Request a 0% p.a. for 20 months balance transfer - For balance transfers requested at card application. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate. Already a Westpac customer? We'll waive your first year's card fee. Offer not available if you've held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.)
- **Balance transfers** (For balance transfers requested at card application. 3% balance transfer fee applies. After 20 months, the rate reverts to the variable cash advance rate. Already a Westpac customer? We'll waive your first year's card fee. Offer not available if you've held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.)
- **Fraud protection** (Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.)
- **Extra repayments** (The product includes extra repayments)
- **Instalment plan** (Westpac PartPay: Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card. T&Cs applies.)
- **Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.**
- **Minimum repayments: 2.5% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.**
- **You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.**
- **Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.**
- **Confirming and authorising transactions: There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.**
- **Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.**
- **Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.**
- **Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.**
- **Customers can access their eligible Westpac cards and Apple's ID&V security features within Apple Wallet. T&Cs apply.**
- **Easily set transaction and transfer limits to place tabs on your spending and tailor how you use your card.**

## Eligibility

- **Minimum age** — 18 years (18+ years old)
- **Residency status** — Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- **Minimum income** — $30,000.00 p.a. (Earn a minimum $30,000 per annum)
- **Customer having a regular, verifiable Australian taxable income.**
- **Customer having a fixed, verifiable residential address in Australia.**

## Constraints

- **Minimum limit** — $500.00
- **Maximum limit** — $50,000.00

## More information from Westpac

- [Overview](https://www.westpac.com.au/credit-cards/low-rate-cards/low-rate)
- [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf)
- [Eligibility](https://www.westpac.com.au/credit-cards/low-rate-cards/low-rate)
- [Fees & pricing](https://www.westpac.com.au/credit-cards/low-rate-cards/low-rate)

## Data provenance

- Published by Westpac under the Consumer Data Right
- Product ID: `CCLowRate`
- Last updated by the provider: 14 October 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/CCLowRate
- Provider page: https://www.cdrcompare.au/brands/westpac
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/CCLowRate) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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