Westpac Credit Card – How to Apply?

Many credit cards often have a very high-interest rate that a lot of people cannot afford to pay. This turns people off the moment they see that a promising credit card has a very high variable interest rate.


The good thing is many credit cards offer very low interest rates one of which is a Westpac Credit Card called the Westpac Low Rate Credit Card. With this Westpac Credit Card, you can lower your expenses while optimizing the benefits that you get from using the card.

If you’re interested in learning more about the Westpac Low Rate Credit Card, check out the article below to learn how to apply.

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Westpac Low Rate Credit Card Features and Benefits

One of the main features of the Westpac Low Rate Credit Card is its low ongoing purchase rate but there are still so many things to enjoy with this amazing credit card.

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You can get cash back, balance transfer offers low annual fees, and many more. All of these are available when you sign up for the card.


Choose Which Offer Is Best

The Westpac Low Rate Credit Card offers two incredible welcome offers for applicants. You can choose between the Cashback offer or the Balance Transfer offer.

With the Cashback offer, you get up to $350 cashback or $50 cashback for each month when you spend up to $1,000 a month.

This goes on for the first 7 months after getting approved. You can also go with the Balance Transfer offer where you get a 0% interest rate on balance transfers for the next 28 months.

Lowest Interest Rate in Australia

The Westpac Low Rate Credit Card is one of the only few credit cards that offer one of the lowest interest rates in Australia.

With this card, you get 13.74 variable APR for purchases and 21.49% on cash advances. There is no other credit card issuer in the country that gives you a very low rate for interest. You also only have to pay $59 for the annual fee.

This is the perfect credit card for those who want to spend more on purchases without having to deal with high-interest rates.

PartPay Feature

When you use your Westpac Low Rate Credit Card for purchases, you can also take advantage of another option called the PartPay feature.

This feature lets you purchase an item and pay for it in 4 separate payments. This is a great option for those who want to make a large purchase but do not have the proper budget to pay for it in full.

The PartPay feature makes it convenient to pay for your purchases so your budget does not suffer.

Take Control of Your Account

Once you have your Westpac Low Rate Credit Card, you should also download the Westpac mobile banking app. It is one of the best financial management tools on your phone where you can check how much you’ve spent.

The app provides you with cash flow insights so you can find ways to save your money. It even allows you to manage your entire account such as activating your new card, lock your card in case you misplace it, or check transactions.

You can make fund transfers to different accounts within a matter of seconds.

Standard Rates and Fees

Apart from the low-interest rates, you will also need to pay a 3% foreign transaction fee with this credit card. There is also a cash advance fee of 3% of the total amount and an annual fee of $59.

Missed payment fee is $15 per statement cycle and while you can always withdraw money from any Westpac ATM for free, you will be charged a separate fee if you withdraw money from non-Westpac ATMs.

Is the Westpac Low-Rate Credit Card Good for You?

It depends on what you want from a credit card. A low interest rate credit card can do wonders for your savings especially if you do not want to spend more.

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While the credit card might not have the most lavish features and benefits like many other credit cards, the fact that it offers one of the lowest interest rates should make the credit card worth it.

The Westpac Low Rate Credit Card is meant for those who are looking for an affordable credit card with viable features and offers such as the cashback offer or the balance transfer offer.

Contact Info and Address

General inquiries for personal banking can be directed to 132 032. Overseas callers can call (+61 2) 9155 7700.

The bank’s head address is located at 275 Kent Street, Sydney, NSW 2000, Australia.

You can also check out their official website for more details and click on their Support Center for more information about the credit card.

Applying for a Westpac Low-Rate Credit Card

Applying for your own Westpac Credit Card is easier than ever with their online application process. All you need to do is head over to the official website and choose Westpac Low Rate Credit Card.

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Review all the details such as features, benefits, and terms and conditions before you proceed. To apply for the card, click on Apply fill out the online application form with your details and upload the necessary documents.

The entire application procedure should only take about 10 minutes before you get to know if you’re approved. If your application is approved, you will be given a credit limit based on your financial standing. This credit limit starts at $500 and can go all the way up to $50,000.

Eligibility Criteria

To be eligible, you need to be at least 18 years of age and you must have Australian permanent residency. You also need to be presently living in Australia.

To help present a strong case, you should provide personal details, proof of identification, payslips or bank statements, employment details, and other similar documents.


Overall, a Westpac Credit Card is your best bet when it comes to saving a ton of money on interest and fees. Not only will you get to enjoy the lowest rates on the market, but you will also be given other exclusive deals when you join.

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.