Low Rate card
Low Rate card is issued by Westpac. Every figure below is one Westpac publishes, with the date it was read.
The facts
What stands out
Westpac charge a $7 monthly card fee; shown here annualised to $84.
Westpac charge a 3% foreign transaction fee for transactions in a foreign currency or in Australian dollars processed by an overseas merchant or financial institution.
Westpac charge a $20 missed payment fee each statement cycle that the minimum monthly payment is not paid by the statement due date.
You can add one additional cardholder aged 16 or over at no extra cost; the primary cardholder remains responsible for all transactions.
Westpac publish current variable rates of 13.74% p.a. for purchases and 21.99% p.a. for cash advances.
Stated as facts from Westpac's own published pages, not as an opinion about whether the card suits you. Conditions, eligibility and the full fee schedule are on their site.
Purchase rate
13.74%
$84 a year to hold · Up to 55 interest-free days
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Back to all credit cardsChecked 5 October 2026