Low Rate Visa
Low Rate Visa Credit Card Offers
We have all heard that balance transfer offers are going to become fewer and farther between.
Featured Low Rate Visa Credit Card
Besides having a low interest rate on purchases, Westpac Low Rate Visa it also has a special interest rate balance transfer offer that you’ll simply appreciate having.
- $45 annual fee
- 0% p.a. for 6 months (reverts to 13.49% p.a.) on purchases
- 0% p.a. for 6 months on balance transfers
- Cash Advance Rate of 21.49% p.a.
- 55 days interest free
This offer is available to all customers who are applying specifically for Westpac’s Low Rate Visa and make the request that they would like to transfer a balance from a non-Westpac credit card. This offer is only available at the point of application and is not retroactive. If you choose to transfer additional balances, the rate is 0% p.a. for 6 months (reverts to 13.49% p.a.) and is variable. These subsequent transfers will be treated as purchases and will have interest applied to them.
When the introductory interest rate is up, you will have a low variable rate of 0% p.a. for 6 months (reverts to 13.49% p.a.) on purchases and 21.49% p.a. on cash advances.
More Features
Enjoy all of these additional features that come with Westpac’s Low Rate Visa.
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Receive up to 55 days without interest on purchases on the condition that you pay your entire balance including any promotional amount when the amount is due each month.
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Pay a low annual fee of $45
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You can make the choice of using either a Visa or a MasterCard
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You are protected by CardShield which is a program to ensure the security of your card. You can call anytime 24 hours a day, 365 days a year to report that your card is lost or stolen
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Rest easy knowing that your card has increased security with an embedded microchip for identification
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Enjoy unencumbered access to your money at over 28 million locations around the globe.
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Feel safer using retailers online that have the logo “Verified by Visa” and have been approved by the Westpac Added Online Security Service
Save paper with Westpac eStatements
Westpac is interested in eco-friendly choices and has provided its customers the option to receive paperless e-statements online. It is convenient for you and limits the use of paper products.
Read the official terms and conditions
Read the official terms and conditions
| Minimum Income | Minimum Age | 18 years of age | |
| Residency | Permanent Australian Resident | Credit Rating Requirement | Good |
| Min Credit Limit | $1,000 | Max Credit Limit | $30,000 |
| Annual Fee | $45 | Balance Transfer Fee | |
| Minimum Repayment | 2% | Interest Charged From | Purchase Date |
| Late Payment Fee | $9 | Over Limit Fee | $9 |
| Overseas Emergency Replacement | $0 | Overseas ATM Balance check | $0 |
| Overseas ATM Withdrawal | $2.50 | Foreign Currency Conversion Fee |
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