A $450 sign-up bonus as of 18 September 2026. After the $84 first-year fee it nets $366, 30th of 51 bonus cards tracked by BankMate. No end date is published for the offer.
$450bonus
$366 after the $84 first-year fee
Earn up to $450 cashback on your new credit card - Get rewarded when you spend $75 cashback for each month you spend $1k or more on eligible purchases in the first 6 months from card approval.
Bonus over time
Sign-up bonus value- Low Rate Card
Changes
No changes recorded for this product since tracking began on 10 September 2026.
Fees
- Annual fee
- $84
- Monthly fee
- $7
- Additional cardholder
- Free
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Earning
- Rewards program
- Westpac Extras
Interest
- Purchase rate
- 13.74% p.a.
- Cash advance rate
- 21.99% p.a.
- Interest-free days
- Up to 55
- Balance transfer
- 0.00% for 20 months, then 0.00%
Perks
- Complimentary travel insurance
- No
- Purchase protection
- No
- Concierge
- No
- Network
- Mastercard
Eligibility
- Minimum income
- $30,000 a year
- Minimum credit limit
- $500
- Maximum credit limit
- $50,000
About this product
Our Low Rate Card provides a lower interest rate on purchases, plus a lower monthly card fee to help reduce your credit card costs.