Credit Cards

Westpac Low Rate Card review: Is it Worth It?

Considering the Westpac Low Rate Card? Read our in-depth Westpac Low Rate Card review to discover how it stacks up!

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Unveiling the Westpac Low Rate Card review

Westpac Low Rate Card
Westpac Low Rate Card review. Source: Westpac

Are you in search of a card that strikes a balance between affordability and convenience? If so, you can read our Westpac Low Rate Card review!

Westpac Low Rate Card

Find out how to apply for a Westpac Low Rate Card!

Looking for a card with perks and low rates? If so, discover the hassle-free process of learning how to apply for the Westpac Low Rate Card!

Moreover, we’ll dive deep into the features, benefits, and potential drawbacks of this card to help you make a decision. So read on!

Annual Fee$59 ongoing annual fee;
Purchase Rate13.74% p.a. variable purchase rate;
Interest-Free Period55 days interest-free;
Minimum Credit LimitYou’ll find a minimum credit limit of $500, depending on your finances;
Credit ScoreYou’ll need a reasonable credit score to have more chances to qualify for this credit card;
RewardsNo rewards besides the cashback offer or the balance transfer offer.

Westpac Low Rate Card overview

The Westpac Low Rate Card has garnered attention for its competitive interest rates and appealing perks.

As we dissect its offerings, we’ll highlight its standout features and explore the real-world benefits it provides.

Moreover, we can provide insights into who might benefit the most from having this card in their wallet.

In addition, as a new cardholder, you’ll be able to get an intro 0% p.a. for 28 months.

Therefore, this card can be great for those who are not Westpac customers and are opening their account for the first time!

Westpac Low Rate Card’s main features

Westpac Low Rate Card
Unveiling the Westpac Low Rate Card review. Source: Westpac

Even though this card offers incredible perks to its cardholders, there are also some downsides, as with any other card.

For example, you won’t get many more perks other than the balance transfer intro period.

Therefore, you can read our pros and cons list below to learn more about this card and see if it’s the best option for your finances at the moment!

Pros

  • 0% intro p.a. for up to 28 months on eligible balance transfers with no fees;
  • You’ll find low rates and interest on purchases;
  • There is up to 55 days interest-free.

Cons

  • There is an annual fee of $59 for all cardholders;
  • The balance transfer can be a bit high after the intro period.

Minimum credit score to apply

There is no official information about this card having a minimum credit score for the application.

However, it is always recommended that you have a higher credit score to get the best rates and fees.

How to apply for the Westpac Low Rate Card?

You can apply for this incredible card through the official website by providing the personal information required.

Moreover, you can read our blog post below to learn more about this card and find out how the application process works!

Westpac Low Rate Card

Find out how to apply for a Westpac Low Rate Card!

Looking for a card with perks and low rates? If so, discover the hassle-free process of learning how to apply for the Westpac Low Rate Card!

About the author  /  Victoria Lourenco

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