AU

How to apply for the Westpac Low Rate Credit Card?

Learn the eligibility requirements to apply for a Westpac Low Rate Credit Card and earn up to $250 cashback within five months of card usage or get a 0% p.a. for 28 months on balance transfers.

Apply for a Westpac Low Rate Credit Card: receive up to $250 cashback or reduce the interest for 28 months

Apply for this credit card with any credit score you have. Source: The Mister Finance.
Apply for this credit card with any credit score you have. Source: The Mister Finance.

It is simple to apply for a Westpac Low Rate Credit Card, but you must be attentive to the eligibility requirements. 

card

Credit Card

Westpac Low Rate

cash back intro APR

This credit card has a generous welcoem bonus for you!

You will be redirected to another website

Firstly, take a look at all you can get when applying for it:

  • Choose an offer: up to $250 cashback within five months (conditions apply) or 0% p.a. for 28 months on balance transfers;
  • Enjoy up to 55 days of free interest on purchases;
  • Earn bonus cashback when shopping on ShopBack through Westpac Lounge;
  • Feel peace of mind with fraud protection;
  • Stay ahead of your finances with a spectacular mobile app that allows you to manage your spending, balances, and other financial information with confidence.

The card charges only a $59 annual fee.

To apply for a Westpac Low Rate Credit Card, you must be a resident in Australia (being a permanent resident or an acceptable Visa holder), earning at least $30,000 p.a.

Online Application Process

Apply online for this credit card. Source: Canva.
Apply online for this credit card. Source: Canva.

The official Westpac website gathers all the information you need to know to fill out an application.

However, before proceeding with it, it is crucial to find out your credit score.

The applications impact credit reports, so only apply for the card after reviewing your creditworthiness.

Also, make sure you choose an introductory offer before applying.

Then, all you need to do is fill out the form with your personal and financial information.

Application Process using the app

After applying using the website, download the spectacular Westpac mobile app to track your spending.

Westpac Low Rate Credit Card vs. Marriott Bonvoy Bevy™ American Express® Card

As can be seen, a Westpac Low Rate Credit Card is Worth considering if you want to access low rates and rewards.

On the other hand, if you want a travel card, check out the Marriott Bonvoy Bevy™ American Express® Card.

Westpac Low Rate Credit CardMarriott Bonvoy Bevy™ American Express® Card
Credit ScoreAcceptable credit historyGood – Excellent 
APR13.74% p.a. (variable purchase rate)21.49% p.a. (variable cash advance rate);19.99% – 28.99% for purchases 29.49% for cash advances;
APR is based on creditworthiness and vary according to the Prime Rate;
+ Rates & Fees
Annual Fee$59$250
+ Rates & Fees 
FeesForeign transaction fee: 3%;Cash advance fee: 3.0% of the value of a transaction;Missed payment fee: $15;Cash advance: $10 or 5% of the amount of each transaction, whichever is greater;
Foreign Transaction: $0;
Late Payment: up to $40;
Overlimit: $0;
Returned Payment: $40;
+ Rates & Fees 
Welcome bonusUp to $250 cashback ($50 per month for 5 months when spending at least $1,000 on eligible purchases);125,000 Marriott Bonvoy® Bonus Points after purchasing $4,000 within three months of card membership;
*Terms Apply
RewardsCashback (through Westpac Lounge on ShopBack);6X points on eligible purchases at participating Marriott Bonvoy® hotels;
4X points on dining (restaurants worldwide, plus delivery and take-out in the U.S.), up to $15,000 on purchases – then, 2X points;
4X points on groceries (at supermarkets in the U.S., up to $15,000 on purchases – then, 2X points);
2X points on other eligible purchases
*Terms Apply 

Now, learn how to get the fantastic Marriott Bonvoy Bevy™ American Express® Card.

Marriott Bonvoy Bevy American Express Card

How to apply for the Marriott Bonvoy Bevy™ card?

Learn how to apply for Marriott Bonvoy Bevy™ American Express® Card and enjoy earning 125,000 Marriott Bonvoy® Bonus Points within 3 months.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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