Low Rate Card
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Westpac · MASTERCARD
The Low Rate Card is a credit card from Westpac on the MASTERCARD network. It has an annual fee of A$84.
Verified 12 Sept 2026
Key facts
- Annual fee
- A$84
- Purchase APR
- 13.74% p.a.
- Foreign transaction fee
- 3%
- Network
- MASTERCARD
Benefits and perks
- Already a Westpac Customer?. We'll waive your first year's card fee
- $7. monthly card fee
- 13.74% p.a. variable purchase rate
- Up to 55 days interest-free. More opportunity to avoid interest charges on your purchases
- Cashback and discounts. With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
- Split your purchases. Split your purchases over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card.
- We got your back. Use the Dynamic CVC on your digital card. The 3-digit number changes every 24 hours for added fraud protection.
- 0% p.a. on balance transfers for 20 months when requested at card application.
- Minimum income required: $30,000 p.a.
Questions about the Low Rate Card
What is the annual fee on the Low Rate Card?
The Low Rate Card has an annual fee of A$84.
Is the Low Rate Card worth it?
The Low Rate Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
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