Westpac Low Rate credit card offers a great value for money. With its low rates and generous rewards program, it has become one of the most popular cards in Australia. The card provides you with 0% interest on balance transfers, access to exclusive discounts and more.

This credit card will give you up to $200 cashback in the first few months, with a $59 annual fee. The cashback is given as a statement credit and can be used on any purchase. There’s no limit to how much you can earn.

Westpac’s Low Rate Credit Card is a credit card for people who want a reputable lender with low rates and simple features. The card has no ongoing monthly fees, a low interest rate. This credit card offer from Westpac in the sense that customers can get a cashback of $50 each month for 4 months when they spend $1,000 on eligible purchases.

Westpac Low Rate features

There are lots of other benefits as well including a low interest rate. The Credit Card is a no-frills credit card with a low interest rate. It is a credit card 0 transfer. You can also enjoy 13.74% p.a. for purchases and interest-free days if you pay your balance off by the due date on each statement.

The credit card balance transfer limit is the amount of money you are allowed to transfer from one credit card to another in order to consolidate your debt. The law restricts this amount as a way to protect consumers from over-borrowing. The balance transfer limit are at 80% of available limit.

Main Advantages

$50,000 is the maximum credit limit that you can put on this card. You may not receive it immediately. It’s important to know that you cannot use your card for purchases until the credit limit is approved. A credit limit of up to $50,000 can be requested.

For people who are not yet permanent residents in Australia, there is a card that they can use until they become permanent residents. That way, The card is Mastercard type and it is available for temporary residents as well. It is a Mastercard flag type.

The best credit card for you depends on your needs – from no annual fee cards that offer rewards and cash back, this one has both benefits and the annual fee is a competitive one, it stands at $59. Customers can enjoy their new cardholder for free and get an additional cardholder for their spouse or family member at no cost.

Westpac Low Rate

Westpac has always been focussed on making your everyday world easier, which is why with their Low Rate Credit Card you’ll receive up to $200 back when you spend over the minimum and apply within 60 days of becoming a cardholder.

A lot of cashback schemes these days have one major spend requirement that you need to meet (e.g. $3,000 in the first 3 months) but this one technically has four, although it does mean you can still get some cashback if you only spend $1,000 over a couple of months

Why apply for Westpac Low Rate credit card

The Westpac Low Rate Credit Card is a new credit card which can be approved online and with no application fee. If you would like to apply for the Westpac Low Rate Credit card and receive your decision in just 60 seconds, the process can be completed in 10 minutes and with no cost. Check that you are eligible and have all the necessary information before you start.

How to request your Westpac Low Rate credit card

Check out our cashback offer that is available for new cardholders. You’ll only be eligible for it when you apply for one of our low rate cards a a new cardholder. Eligible balance transfer debt: if you transfer money from an eligible Westpac credit card, you can move up to 80% of your available credit limit – and the maximum accepted is $200.

To have it approved, you must allow for a time frame of up to 3 months for funds to be transferred. You must be aged 18 or over in order to be eligible to apply. To apply, you must be a permanent resident of Australia and currently living in Australia.

Westpac Requirements

Personal information, including full name, date of birth, residential address and contact information.Proof of identification. You’ll need to provide some form of identification such as Australian driver’s licence, Medicare card or Australian passport.

Financial transactions. You’ll need to provide evidence of your annual income, such as recent payslips or bank statements. You’ll also have to list your assets, liabilities and expenses.

Verify the current place of employment and to provide the contact details of employer. Balance transfer paperwork. If you are transferring a balance(s) to our Low Rate, you will need to provide details of that account(s).

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You need a credit card that has the best features for you. Start by identifying what interests you most and then apply for your card. Don’t forget to check out our news portal with useful articles about credit cards, which will also help answer your questions.