Westpac Low Rate Credit Card - Apply Online

	Key Features:
	3.99% p.a. on balance transfers for up to 6 months.1 Interest rate 13.24% pa for purchases 21.24% p.a for cash advances Annual fee of $45 Up to 55 interest free days on purchases as long as you pay your closing balance (including any promotional amount) in full by the statement due date each month 2 Worldwide acceptance Choose either Visa ® or MasterCard ®

Information is current as at 13 May 2010. Credit card applications are subject to Westpac's normal lending criteria. Fees and charges are payable. Terms and conditions are available upon request. These may be varied or new terms and conditions introduced in the future. An additional card can be issued on the primary cardholder's credit card account to any nominated person over the age of 16 years. The standard interest rate on purchases for the Low Rate card is 13.24% p.a. (variable) and the cash advance rate is 21.24% p.a. (variable). Approval is subject to Westpac's normal lending criteria.
1. This special rate is only available to customers who are applying for a new Low Rate card and request to transfer the balance(s) from a non-Westpac credit card(s), charge card(s) or store card(s). This promotion is only available at point of application. Subsequent balance transfers will be charged at the standard purchase interest rate (currently 13.24% p.a. and variable) and will be treated as purchases with no interest free days applying to them. Payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this promotion before they are applied to any other purchase or cash advance amount. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. You will not gain the benefit of the interest free period on credit purchases until the full balance (including any balance transfer and any other promotional amount) is paid by the statement due date each month. After 6 months the balance transfer rate will switch back to your credit card's standard variable interest rate for purchases then applicable to your card account. Each balance transfer must be a minimum of $200. 2. This interest rate, which only applies to credit purchase transactions, is a variable rate and therefore subject to change. A different rate, currently 21.24% p.a., applies to cash advances. 3. Annual card fee is subject to change. 4. On credit purchases only, where the closing balance (including any balance transfer amount or any other promotional amount) is paid in full by the statement due date each month. Interest on cash advances is calculated from the date the transaction is debited to your card account.
Visa® is a registered trademark of Visa International Services Association. The MasterCard® brand is a registered trademark of MasterCard International Incorporated.
Information on this website does not take into account your objectives, financial situation or needs. Before acting on the information, consider whether it is right for you. You should read all relevant Product Disclosure Statements or other disclosure documents before making a decision.
Unless otherwise specified, the products and services described on this website are provided by Westpac Banking Corporation AFS Licence No. 233714, and are only available in Australia. Terms and Conditions apply to those products and services.
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