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Westpac

0% interest rate for 26 months on balance transfers, 2% balance transfer fee and a $59 annual fee

Westpac Low Rate Card (balance transfer offer)

Balance transfer

0% for 26 months

Purchase rate

13.74%

Annual fee

$59 per year

Low annual card fee of $59, a relatively competitive 13.74% p.a. purchase rate, and up to 55 interest-free days. 0% p.a. for 26 months on balance transfers requested at card application, 2% balance transfer fee applies. After 26 months, the rate reverts to the variable cash advance rate 21.99% p.a.

HIGHLIGHTS

The Low Rate Card is a straightforward option for anyone looking to manage their spending without complex reward schemes or hidden costs. A low $500 minimum limit. 0% balance transfer rate for 26 months, purchase rate of 13.74% p.a and interest free period of up to 55 days helps to keep your spending (and fee paying) under control, while complimentary additional cards for up to three family members

Main features

Rate type

Rate %

Duration

Purchases

13.74% p.a.

Fees

Fee type	Fee %	Min fee $
Cash advances	3%	-

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	$59	per year
Monthly fee	-	-

MORE INFORMATION

$59 annual fee

0% balance transfer rate for the first 26 months (then reverts to the cash advance rate of 21.99%)

Up to 55 days interest free on retail purchases

13.74% p.a purchase rate

21.99% p.a cash advance rate

$500 - $50000 credit limit

TERMS & CONDITIONS

This offer is available when you apply for a new Low Rate credit card between 1st August 2024 and 30th November 2024. This card can transfer from $200 up to 80% of your available credit limit from up to 3 non-Westpac Australian-issued credit, charge or store cards. You'll also need BPAY payment details for the account/s. Interest free period is available when you pay the Closing Balance or the Monthly Payment Balance if you have a Balance Transfer. Available to new Westpac Low Rate cardholder.

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