How to Apply for a Westpac Low Rate Credit Card

The Westpac Low Rate Credit Card is one of the only intriguing credit cards that is offered by Westpac. The card has an annual fee of $59 and respectably low interest rate of 13.49% on purchases and 21.49% for cash advances. That is far and away one of the better interest rates for purchases and should definitely peak the interest of young entrepreneurs or young homeowners who need to rely on credit to achieve their goals. If you are interested in applying for this card simply scroll down this page and follow our step-by-step instructions and you will be well on your way.

Take a moment to read the online privacy policy as it pertains to your personal information and how it is going to be protected and used throughout the application process.


The following criteria of eligibility needs to be met for the application process to be completed successfully:

  • Be at least 18 years of age or older
  • Be a resident of Australia
  • Have a valid piece of government identification

How to Apply

Step 1: Navigate to the application homepage, pictured below.

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Step 2: Review the Credit Card Guide and the Credit Card Fact Sheet as these in combination serve as the terms and conditions for the Westpac Low Rate Credit Card. Then click the Westpac Low Rate Credit Card link.

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Step 3: Designate whether your are a Westpac customer or not.

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Step 4: Click the Continue button.

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Step 5: Enter the following information in the space provided:

  • Mobile number
  • E-mail address
  • Title
  • First name
  • Last name
  • Date of birth
  • Residential address
  • Length of time at this address

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Step 6: Choose the nearest branch to your address.

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Step 7: Provide proof of citizenship in one of the following ways:

  • Driver’s license number
  • Medicare card
  • Australian passport

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Step 8: Click the Continue button.

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Step 9: On the ensuing pages you will be required to enter some general financial information and then review and submit your application.

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Once all of the steps have been completed you will have finished the application process for the Westpac Low Rate Credit Card.