Westpac Low Rate Credit Card

The Westpac low rate credit card delivers Westpac's lowest ongoing purchase rate, a 0% purchase and balance transfer offer and low $45 annual fee. This is one of the best low rate credit cards in the Australian market. Any unpaid balances at the end of the transfer offer will revert to the low rate rather than cash advance like many other credit cards

	Key Features of the Westpac low rate credit card:
	0% p.a. on purchases and balance transfers for the first 6 months.1 Interest rate 13.49% pa for purchases 21.49% 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 ®

Terms and Conditions
Information and rate current as at 23 January 2012. Promotion period is from 23 January 2012 to 16 March 2012. This offer excludes transfers and upgrades from existing Westpac credit cards and Westpac Group employees. Westpac's normal lending criteria apply. Conditions, fees and charges apply. Read the terms and conditions available at any branch (or attached above) before making a decision.

Credit Savvy: Westpac's lending policies and guidelines are designed to ensure we lend responsibly. Make sure the credit limit you apply for is realistic and you have checked the interest rates, fees and charges on your selected card before you apply. Always aim to pay off more than your minimum monthly repayment amount as making minimum payments is not an effective way to manage credit card debt. There can be reasons, such as job loss or illness, which can mean that even the most responsible borrower might get into temporary financial difficulty. If you find yourself in this position, just call us on 1300 651 089.

1. This special balance transfer rate applies to balance transfers from non-Westpac credit, charge or store card(s) when requested at new card application by 16 March 2012. Subsequent balance transfers will be charged at the variable purchase rate then applicable to your card and will be treated as purchases with no interest free days applying to them. Payments to your account will be applied to the lowest applicable interest rate before any other cash advance or purchase amounts in ascending order. This means that the portion of your outstanding account balance that is subject to a lower interest rate will be paid off first. After 6 months the balance transfer rate will switch back to your credit card variable purchase rate then applicable to your card. Each balance transfer must be a minimum of $200.
2. The introductory rate of 0% p.a. on purchases for the first 6 months is only applicable on purchases made using your Low Rate Credit Card within 6 months from the date your account is activated. After the 6 month period, the introductory variable purchase rate of 0% p.a. will switch to the variable purchase interest rate then applicable to your card. The introductory rate on purchases is not available in conjunction with any promotion other than a special balance transfer promotion available at card application.
3. The annual card fee is subject to change.

Click to view terms and conditions.