Latest Information
Our Low Rate Visa card is no longer available for sale. Here's a full list of our available credit cards.
If you currently have a Low Rate Visa credit card, nothing has changed. All benefits, features and fees outlined on this page still apply.
The important numbers
As an existing Low Rate Card Visa cardholder, you’re able to:
- Pay a low variable rate of 13.74% p.a. on purchases.
- Withdraw cash at a variable rate of 21.99% p.a.
- Pay an annual card fee of $59.
What fees apply to this card?
| Annual card fee | $59 |
| Foreign transaction fee | 3.0% Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee. |
| Cash advance fee | 3.0% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance. |
| Missed payment fee | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
| Overlimit fee | If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle. |
Things you should know
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
Discounted rates may not apply to cards with existing promotional rates. Discounted rates will not apply to Westpac Lite Visa cards.
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Westpac is the credit provider and credit licensee under National Consumer Credit Laws.