Westpac Low Rate Credit Card Forex Charges
The details shown below are for a card without rewards
The details shown beneath are for a card without rewards
Mozo editorial review Westpac Low Charge per unit
What's hot
- Cashback and residual transfer offers
- No annual card fee for the commencement year (then $59)
- Upward to 55 days interest-free on purchases
What's non
- 21.49% p.a. cash accelerate rate
Mozo snapshot
With a competitive rate and low almanac bill of fare fee (which is waived in the commencement year), Westpac's Depression Rate credit bill of fare could provide a uncomplicated, toll-effective pick for cardholders. Simply don't confuse simplicity with a lack of options, considering the Low Rate menu too comes with a number of useful features too as cashback and balance transfer offers for new cardholders.
Key features
Westpac's Depression Rate credit card is all virtually value. With a low annual menu fee of $59 (which is waived in the first yr), a relatively competitive 13.74% p.a. purchase rate, and upward to 55 interest-free days, the card has all the potential to be a upkeep-friendly option.
Yous can use the Low Charge per unit card overseas or when shopping online wherever Mastercard is accustomed and it comes with Mastercard Tap & go functionality for purchases under $100. All foreign transactions will accept a 3% strange exchange margin added to the Australian dollar amount though.
The value doesn't stop there though, as Westpac is currently giving new Depression Rate credit card applicants the choice between two different limited-time offers.
$400 cashback offer
New cardholders will be able to score $400 cashback when they accept out a new Low Rate credit carte du jour and spend $4,000 on eligible purchases within 120 days of the approval engagement. This is a express-time offer which is available until 23 February, 2022 though, then make it quick if y'all're interested.
0% balance transfer offering for 28 months
Alternatively, eligible new Low Rate credit bill of fare applicants can choose to make a dent in their existing credit card debt by taking advantage of a 0% remainder transfer offer for the outset 28 months (21.49% p.a. cash advance charge per unit applies later). Remember, there is a one.00% set-upwards fee on the balance transfer, and the offer is bachelor until xxx June, 2022.
Who is information technology skillful for
Westpac's Depression Rate credit card could be an selection worth considering for anyone looking for an affordable, no-frills card that offers good value for money. Especially for those who can make the nearly of the limited-fourth dimension cashback or balance transfer offers.
Whatever catches
Recall, like nearly credit cards, cash advances will attract a charge per unit much higher than the normal purchase rate. In the case of the Low Charge per unit carte, the greenbacks advance rate is 21.49% p.a.
Details
Rates and fees information correct as at 14 February 2022 Mozo has robust processes to ensure our site is updated to reverberate the latest information from providers. At that place may be the odd occasion where updates are delayed, so please confirm information earlier purchasing.
Rates
| 13.74% p.a. | |
| none | |
| 0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee) | |
| yes | |
| 21.49% p.a. | |
| 55 |
Fees
| $59.00 | |
| $0 in the get-go twelvemonth | |
| none | |
| none | |
| $15.00 | |
| iii% | |
| 3.00% | |
| $0.00 | |
| $0.00 | |
| $0.00 |
Features
| $x.00 | |
| ii.0 | |
| 1 | |
| none |
Payment options
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Details
Rates and fees data correct as at fourteen Feb 2022 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. At that place may be the odd occasion where updates are delayed, so delight ostend information earlier purchasing.
Rates
| thirteen.74% p.a. | |
| none | |
| No electric current offering | |
| yep | |
| 21.49% p.a. | |
| 55 |
Fees
| $59.00 | |
| $0 in the first year | |
| none | |
| none | |
| $15.00 | |
| 3% | |
| 3.00% | |
| $0.00 | |
| $0.00 | |
| $0.00 |
Features
| $10.00 | |
| two.0 | |
| 1 | |
| none |
Payment options
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Other benefits
Receive $400 Cashback when you take out a new Low Charge per unit Credit Card and spend $4,000 on eligible purchases within 120 days from approving.
Customer Reviews
How are Westpac credit cards rated by the Mozo community?
Overall
Latest reviews of Westpac Low Rate Credit Card
-
Not too bad in over whorl
Need to be more than customer friendly and flexible to payment and interest.
Read total review
Need to exist more customer friendly and flexible to payment and interest.
Less
-
Give thanks
-
Recommended whilst co-operative remains open.
i. Local and convenient two. Service (counter) - excellent iii. Fees - nil 4. Friendly 5. Some waiting merely normal for decorated shopping eye
Read total review
one. Local and convenient ii. Service (counter) - excellent 3. Fees - nada iv. Friendly v. Some waiting merely normal for decorated shopping centre
Less
-
More concerned nigh share profits
Large iv banking concern, non and so dissimilar to smaller bank. Always looking after profits, not customers.
Read full review
Big 4 bank, non so dissimilar to smaller depository financial institution. Always looking after profits, not customers.
Less
-
Fantastic banking concern, groovy card
Westpac have been fantastic especially in times of struggle and stress. The carte du jour I have is easy and cheap to employ.
Read full review
Westpac have been fantastic peculiarly in times of struggle and stress. The card I have is piece of cake and inexpensive to use.
Less
About Westpac
0% p.a. for 24 months and so 21.49% p.a. (1.00% balance transfer fee)
$150 $49 in the first year
0% p.a. for 24 months and so 21.49% p.a. (one.00% balance transfer fee)
$250 $99 in the kickoff year
0% p.a. for eighteen months so 11.99% p.a.
No current offer
0% p.a. for 18 months and then 20.99% p.a.
$129 $64 in the first year
Velocity Frequent Flyer
0% p.a. for 28 months and so 21.49% p.a. (one.00% balance transfer fee)
$59 $0 in the commencement year
0% p.a. for 12 months and so nineteen.99% p.a.
No current offer
Bendigo Rewards
0% p.a. for 28 months and then twenty.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
0% p.a. for 32 months so 21.49% p.a.
$55 $0 in the first year
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
0% p.a. for 36 months and so 21.99% p.a.
$129 $29 in the kickoff year
Rewards Plus
Bendigo Rewards
No current offer
i.five points uncapped
Velocity Frequent Flyer
$129 $64 in the outset year
0.66 points up to $1,500/month, so
0.five points uncapped
Altitude Rewards
$250 $99 in the first year
1.25 points uncapped
Velocity Frequent Flyer
1.25 points uncapped
Qantas Frequent Flyer
i signal uncapped
Qantas Frequent Flyer
0.5 points uncapped
Membership Rewards
$195 $0 in the first year
No electric current offering
1 point uncapped
Cashback Rewards
$120 $0 in the get-go twelvemonth
No current offer
i point uncapped
0% p.a. for 28 months so xx.99% p.a.
$129 $0 in the first year
Velocity Frequent Flyer
0% p.a. for 12 months and then 20.99% p.a.
Velocity Frequent Flyer
0% p.a. for 28 months and then 21.49% p.a. (ane.00% remainder transfer fee)
$59 $0 in the first year
0% p.a. for 33 months so 21.74% p.a.
$49 $0 in the start twelvemonth
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the start yr
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the starting time yr
0% p.a. for 36 months and then 21.99% p.a.
$129 $29 in the first year
Rewards Plus
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the kickoff year
0% p.a. for 18 months and so eleven.99% p.a.
No electric current offer
0% p.a. for 15 months and then 21.69% p.a. (i.00% balance transfer fee)
0% p.a. for 28 months so 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the get-go yr
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the first year
0% p.a. for 32 months and and then 21.49% p.a.
$55 $0 in the commencement twelvemonth
0% p.a. for 32 months and then 21.49% p.a.
$55 $0 in the starting time twelvemonth
0% p.a. for eighteen months and then thirteen.99% p.a.
No current offer
$55 $0 in the first year
No electric current offer
0% p.a. for eighteen months then 11.99% p.a.
No current offer
0% p.a. for 12 months so nineteen.99% p.a.
No current offer
0% p.a. for 33 months and and so 21.74% p.a.
$49 $0 in the start twelvemonth
0% p.a. for 18 months and then 13.99% p.a.
No current offer
$55 $0 in the beginning year
0% p.a. for 15 months and then 21.69% p.a. (one.00% residuum transfer fee)
No current offering
0% p.a. for xviii months then 13.99% p.a.
No current offer
$55 $0 in the first twelvemonth
0% p.a. for eighteen months and so 13.99% p.a.
No current offering
$55 $0 in the first yr
Source: https://mozo.com.au/credit-cards/information/westpac/Low-Rate/3128
Posted by: rogersberavi.blogspot.com
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