Mastercard2/4 on file
✓ Annual fee checked
Westpac · Mastercard
Westpac Low Rate Credit Card
The Westpac Low Rate Credit Card is a Mastercard from Westpac with an annual fee of A$84. Here is what we hold on it, and what we do not.
Opens Westpac’s site
Ledger entry
The receipt
Every cost line we hold for the Westpac Low Rate Credit Card, exactly as recorded.
- Annual fee
- A$84Checked westpac.com.au
- Supplementary card
- Not confirmed
- Foreign transaction
- 3%Checked westpac.com.au
- Purchase APR
- 13.74%Checked westpac.com.au
- Income requirement
- Not confirmed
- Network
- Mastercard
- Credit needed
- Not confirmed
Sign-up
The welcome offer
No welcome offer on file
We couldn't verify this · check with the issuerWe hold no published welcome offer for the Westpac Low Rate Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Westpac’s own page is the place to check.
Rewards
What it earns
No earn rates on file
We couldn't verify this · check with the issuerWe hold no category earn rates for the Westpac Low Rate Credit Card. Rather than print a multiplier we cannot source, this stays blank until Westpac’s own terms give us one.
Included
Perks & benefits
Card benefits
- Up to $450 cashback on eligible spend
- Balance transfer offer with promotional rate for eligible transfers
- SmartPlan option to split large purchases or balance transfers into instalments
- Interest-free period on purchases when Closing Balance is paid in full
- First Year Card Fee Waiver for existing Westpac customers
- Apple Pay, Google Pay, and Samsung Pay compatibility
Next step
Ready to apply for the Westpac Low Rate Credit Card?
You'll finish the application on Westpac's own site. Terms can change without notice, so check the fee and offer there before you commit.
Apply nowOpens Westpac’s site
Questions
Questions about the Westpac Low Rate Credit Card
How much is the Westpac Low Rate Credit Card annual fee?
The Westpac Low Rate Credit Card has an annual fee of A$84. Weigh that against the rewards and perks you will actually use.
What does the Westpac Low Rate Credit Card earn?
We could not verify the Westpac Low Rate Credit Card's earn rates, so we do not print a multiplier. Check them on Westpac's own site.
What network is the Westpac Low Rate Credit Card on?
The Westpac Low Rate Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.
Is the Westpac Low Rate Credit Card available in Australia?
Yes — the Westpac Low Rate Credit Card is issued by Westpac and is available to eligible applicants in Australia. Approval depends on the issuer's own credit and income criteria.
When were the Westpac Low Rate Credit Card figures last checked?
We checked its annual fee in October 2026, its foreign transaction fee in October 2026 and its purchase APR in October 2026, each against a published document. We could not verify, so we do not print: earn rates and welcome offer. Check them with Westpac. Terms can change without notice, so confirm the current details with Westpac before you apply.