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Low interest rate loans
Low Rate Mastercard®
Keep it simple with a low interest rate credit card. If you’re not paying your balance off in full each month, it’s a great card to keep your interest costs down.
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✓ low 13.45% p.a. interest rate on purchases
✓ low half-yearly fee of $12.50
✓ up to 55 days interest-free on purchases^
✓ accepted at over 35 million locations worldwide
Monitor your card spend in real time with CashNav – our money management app. Find out more.
Contactless technology for fast and convenient payments (of under $80) on the go with Mastercard Tap & Go™.
Pay no international transaction fee (usually $2) when withdrawing money from a Global ATM Alliance ATM 1 . See ‘Rates and Fees’ for more details.
Westpac CardGuard® protects you 24/7 from fraudulent activity 2 . Misplaced your card? Temporarily block or unblock your card with Card Blocker.
Link your other Westpac accounts to your credit card, so you can access them at the checkout and ATMs.
24-hour emergency credit card assistance.
Head to Mastercard Priceless Cities for special offers on a broad range of local and global experiences.
Minimum credit limit
Low Rate Mastercard has a minimum credit limit of $500
Pay your card off in full or make any payment above the monthly minimum (either 2% or $5 of the balance owing – whichever is greater) 3 . View payment options here .
Cash advance rate
Free Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand).The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the Transaction and Service Fees brochure or Business Transaction and Service Fees brochure for details.
# Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will be applied against balance transfers (until paid in full) before cash advances and new purchases, but after charges and interest that have accrued. Interest rates and fees are current as at 4 April 2019 and are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card’s Conditions of Use . You can transfer up to 95% of your available credit card limit. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®.
Westpac’s credit card lending criteria applies to all applications and transfers. Westpac’s Credit Card Conditions of Use will apply.
^Interest free days do not apply when you have taken up one of our balance transfer offers and have not paid off the balance transferred in full during the statement period.
1 The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees – refer to the Transaction and Service fees brochure details. Global ATM Alliance banks and their details are subject to change.
2 Provided you notify us as soon as possible, have not acted fraudulently or negligently and have complied with the card’s Conditions of Use.
3 If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.