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Westpac Low Rate Card - Cashback Offer

13.74%
Purchase rate
$59
Annual fee
55 days
Interest-free

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Westpac Low Rate Card - Cashback Offer card
60 second approval
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CardIQ

57Good

Good

Overall score, out of 100 · How this works

  • 55 days interest-free58
  • Cashback86
  • Low rate63
  • Rewards21

Customer reviews

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Pros & cons

What's good

  • The 13.74% p.a. purchase rate is below the 18.99% p.a. market median.
  • Earns cashback on eligible spending.
  • No fee to add an additional cardholder.

Worth noting

  • 3% foreign transaction fee on overseas spending.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$500 – $50,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
$30,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
21.99% p.a.
Purchases
13.74% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$59 p.a.
Cash advance fee
3.5% of the amount
Foreign transaction fee
3%
Late payment fee
$20

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
2% of the closing balance or $10, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Cashback

Sign-up cashback
$450
Spend required
$1,000 per month for 6 months

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTop 10% (6th of 191 cards)
Overseas fee3.00%Better than most (53rd of 199 cards)
Purchase rate13.74%Better than most (58th of 195 cards)
Annual fee$59 a yearBetter than most (79th of 199 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Westpac