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The Westpac Low Rate credit card offers the longest 0% balance transfer period in Australia — 32 months. At 13.74% ongoing and $59/yr, it is the go-to card for clearing existing credit card debt.
Westpac Credit Cards at a Glance
Velocity PointsWestpac Altitude Black
1.25 Velocity pts/$1, 60k bonus. $250/yr. Best Velocity earn rate.
Qantas PointsWestpac Altitude Qantas Black
1 Qantas pt/$1, 90k bonus. $250/yr. Mastercard acceptance.
Balance TransferWestpac Low Rate
0% BT for 32 months — longest in AU. 13.74% ongoing. $59/yr.
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Why the Westpac Low Rate credit card Stands Out
✓ What makes it worth it:
- 0% balance transfer for 32 months — longest in Australia
- 13.74% p.a. ongoing rate
- $59 annual fee
- Up to 55 interest-free days on purchases
- Easy to manage via Westpac app
✗ What to consider:
- No rewards or cashback
- 2% balance transfer fee
- No complimentary insurance
- 3% foreign transaction fee
- Reverts to 13.74% after promotional period
Verdict: Who Should Get This Card?
The Westpac Low Rate is the best balance transfer card in Australia — 32 months at 0% gives you nearly 3 years to clear debt interest-free. If you don’t need a balance transfer and just want a low ongoing rate, the ANZ Low Rate at 12.49% is cheaper.
Ready to apply? Go directly to Westpac:
✓ Official Westpac website • ✓ Secure application • ✓ Takes 5-10 minutes
Is 32 months really the longest 0% period? ▼
Yes — as of 2026, Westpac Low Rate offers the longest promotional balance transfer period from any major Australian bank.
What happens after 32 months? ▼
The remaining balance reverts to 13.74% p.a. Set a calendar reminder to clear it before the period ends.
Can I still make purchases? ▼
Yes, but purchases are charged at 13.74% unless you pay the full statement balance. Focus on clearing the transfer first.
This review is for informational purposes only and does not constitute financial advice. Credit card terms and conditions change — verify current details directly on the Westpac website before applying.
