Westpac Extras · Credit card
Low Rate Card
$450bonus
$366 after the $84 first-year fee
8th of 66 bonus cards
Earn up to $450 cashback on your new credit card - $75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval.
- Annual fee
- $84
- Rewards program
- Westpac Extras
- Purchase rate
- 13.74% p.a.
- Airport lounges
- Domestic
- Minimum income
- $30,000 a year
- Monthly fee
- $7
- Annual fee
- $84
- Monthly fee
- $7
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Late payment fee
- $20
- Rewards program
- Westpac Extras
- Purchase rate
- 13.74% p.a.
- Cash advance rate
- 21.99% p.a.
- Interest-free days
- Up to 55
- Airport lounges
- Domestic
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Mastercard
- Minimum income
- $30,000 a year
- Minimum credit limit
- $500
- Maximum credit limit
- $50,000
- Low Rate Card
No changes recorded for this product since tracking began on 10 September 2026.
Our Low Rate Card provides a lower interest rate on purchases, plus a lower monthly card fee to help reduce your credit card costs.
Also from Westpac: Altitude Qantas Black $905 net · Altitude Velocity Black $905 net · Low Fee Card $240 net · Altitude Black Rewards World Mastercard $235 net · Altitude Velocity Platinum $225 net · Altitude Qantas Platinum $225 net · Altitude Rewards Platinum $132 net · Westpac Lite Card $108 fee
A $450 sign-up bonus as of 2 November 2026. After the $84 first-year fee it nets $366, 8th of 66 bonus cards tracked by BankMate. No end date is published for the offer. From the provider's Consumer Data Right feed, refreshed nightly.