Credit Card Profile: Westpac Low Rate Credit Card
March 16, 2010
What does a no-frills credit card mean to you? No stress? No worry? No high annual fees? No crazy interest rates? How about having a credit card that gives you everything you need and nothing you don’t, and one that does it while saving you money?
If that sounds appealing to you, the Westpac Low Rate credit card might be just what you need. As if low interest weren’t enough, this card can even save you money on existing balances with its generous nine month balance transfer offer for new cardholders.
Learn more about the Westpac Low Rate credit card below and find out how you can save more with a simple no-frills credit card.
Type of Credit Card: Low rate credit card, Balance transfer card
Interest Rates*: If you’re looking to save money on an existing balance, a Westpac Low Rate credit card balance transfer might be perfect for you! You can lower your interest on that balance transfer to just 1.99%, giving you up to nine months to pay off the balance at that new rate.
Not interested in a balance transfer? That’s okay. This card would still give you a low regular purchase rate of 12.74%. What if you do get a balance transfer, but you can’t pay it off in nine months? Then the remaining balance would simply revert to the purchase rates. Some competing cards would have your balance transfer offer revert to the often higher cash advance rate instead (20.74% for this card).
Is 12.74% still not low enough for you? Then all you have to do is pay off your balance each statement period within up to 55 interest free days and you won’t have to pay any interest at all!
Annual Fee*: In addition to being a low rate credit card, this Westpac card also features a low annual fee of just $45.
Rewards / Extras*: The Westpac Low Rate credit card is not a rewards card and does not come with access to any rewards programme. However, if you’re looking for a simple credit card offering a good deal, the low interest and balance transfer offer might be all the perks you need.
Additional Details*: When you’re approved for the Westpac Low Rate credit card, you get to choose between either a Visa or MasterCard. You must earn a minimum annual income of $15,000 to be eligible for this credit card.
* Interest rates, annual fees, and other credit card details were taken from the most accurate data available at the time of writing. All rates and fees are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.
Credit Card Profile: Westpac Low Rate Credit Card
What does a no-frills credit card mean to you? No stress? No worry? No high annual fees? No crazy interest rates? How about having a credit card that gives you everything you need and nothing you don’t, and one that does it while saving you money?
If that sounds appealing to you, the Westpac Low Rate credit card might be just what you need. As if low interest weren’t enough, this card can even save you money on existing balances with its generous nine month balance transfer offer for new cardholders.
Learn more about the Westpac Low Rate credit card below and find out how you can save more with a simple no-frills credit card.
Type of Credit Card: Low rate credit card, Balance transfer card
Interest Rates*: If you’re looking to save money on an existing balance, a Westpac Low Rate credit card balance transfer might be perfect for you! You can lower your interest on that balance transfer to just 1.99%, giving you up to nine months to pay off the balance at that new rate.
Not interested in a balance transfer? That’s okay. This card would still give you a low regular purchase rate of 12.74%. What if you do get a balance transfer, but you can’t pay it off in nine months? Then the remaining balance would simply revert to the purchase rates. Some competing cards would have your balance transfer offer revert to the often higher cash advance rate instead (20.74% for this card).
Is 12.74% still not low enough for you? Then all you have to do is pay off your balance each statement period within up to 55 interest free days and you won’t have to pay any interest at all!
Annual Fee*: In addition to being a low rate credit card, this Westpac card also features a low annual fee of just $45.
Rewards / Extras*: The Westpac Low Rate credit card is not a rewards card and does not come with access to any rewards programme. However, if you’re looking for a simple credit card offering a good deal, the low interest and balance transfer offer might be all the perks you need.
Additional Details*: When you’re approved for the Westpac Low Rate credit card, you get to choose between either a Visa or MasterCard. You must earn a minimum annual income of $15,000 to be eligible for this credit card.
* Interest rates, annual fees, and other credit card details were taken from the most accurate data available at the time of writing. All rates and fees are subject to change from the issuing bank, and their inclusion here in no way serves as a guarantee of rates. Please review rates and terms with the card issuer at the time of application.
Below are 3 of our most popular and recommended credit card offers:
Purchase Rate (p.a.) |
Cash Rate (p.a.) |
Balance Transfer |
Interest Free Days |
Annual Fee |
||
 Citibank Clear Platinum |
11.99% | 21.74% | 2.9% for 12 months | up to 55 days | $49 |  More Info |
 ANZ Platinum Credit Card |
0% for 6 months | 21.49% | 0% for 6 months | up to 44 days | $0 first year | More Info |
 Westpac Low Rate Credit Card |
0% for 6 months | 21.49% | 0% for 6 months | up to 55 days | $45 | More Info |
