Westpac
Take advantage of up to $350 cashback, 0% p.a. on balance transfers for 20 months, and bonus reward points. Low interest, valuable rewards, smart choice!
The Westpac Low Rate Credit Card currently delivers some seriously competitive features. You can enjoy up to $350 cashback just for spending $1,000 or more per month on eligible purchases for the first seven months. Enjoy a low ongoing interest rate, as well as an impressive 0% p.a. on balance transfers for 20 months (3% BT fee applies). Eligibility criteria include applying as a new Westpac cardholder and ensuring you satisfy income and credit score requirements.
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- Check you meet the eligibility criteria and prepare your ID and income details.
- Visit the official application page and complete the simple online form.
- Select any available offers, such as balance transfer or rewards.
- Submit your application and await approval, often within minutes.
- Once approved, activate your card and start enjoying the benefits.
Pros of the Westpac Low Rate Credit Card
The standout feature is the up to $350 cashback, which is a real incentive if you normally use your card for everyday spending. This offer can help offset any yearly fees and boost your value.
Another advantage is the long 0% p.a. balance transfer offer—20 months interest-free gives you ample time to pay down debts without worrying about added costs.
Cons of the Westpac Low Rate Credit Card
Some key offers, like cashback, only apply to new cardholders or those who haven’t held a Westpac card within two years. Existing customers may miss out.
The 3% balance transfer fee may reduce the appeal for those seeking to save maximally on consolidating debts, especially for larger balances.
Notre verdict
For new customers aiming to save on interest and earn cashback, the Westpac Low Rate Credit Card is a compelling option. With clear application steps and attractive introductory rates, it provides genuine value and flexibility for a wide range of Aussies.
