Took out this card based on their deal of free cash.

Application process was painful. Application form told me I had to go into the branch to verify my ID. I went to my local branch in Richmond with my reference number and they had no idea what to do with it.

Took ages to get my ID verified and the guy from Westpac called me several times. Very frustrating and not worth it.

Their app and website is dated, it's hard to know how much you need to repay each month.

I'm sure there are better cards out there.

What I like most about my Westpac Low Rate Card is that it only has a $59 annual fee. Although I do like cards that offer rewards, I cancelled my other card that offered these because it was taking me ages to build up the points to be able to earn a gift card. This is a simple credit card without silly gimmicks. I like it.

My whole family has been with Westpac for many years and especially with their credit card, there is low annual fees.
This is my everyday credit card and only have a limit of 2k

It was good to use oversea without hassle and also balance transfer is cheaper so i would suggest this card to everyone. The best this is that I got 300 cashback as well

I have a low-rate credit card which linked to my debit card.Never have had any problems.I lost it once and it took very little time to arrange a replacement.I am a rusted-on Westpac customer for many years.

I applied for a westpac credit card, it was quick and easy to apply, I got a responce within minutes, I've been using it ever since, I found the card that was right for me, they have a good selection, you'll find all your transaction on the West Pac website with all your other accounts you may have with them.

I have been using this card for 10 years. Absolutely best card with low fees. Go Westpac Go. I have used it overseas as well and it charges minuscule transaction fees.

Easy application to apply for the card.
The app is also easy to use once set up, unfortunately Westpacs everyday account has fees so I will only every get a credit card with them. Haven't used the card overseas yet and I probably never will due to fees but its good to have in case of an emergency. No reward schemes in place which is a shame through.

Have had it for many years. its good. Can see all transactions on the westpac website. The website also displays my savings account and superannuation account. so its all in one place.
They have a good call centre and all queries handled well.
Early on, I used to ask for temporary increase in my credit limit and they would always do it. But now I just use it for small purchases and flights .
Have been able to pay overseas travel agency using this westpac card. can also get cash advance with a fee.They do have a fee if you miss the minimum payment. think its $15, but I usually pay it before.

Quick and simple to apply, with a speedy approval processing time. As a single mum, this low rate CC provides me with a great sense of security so that if needed, I’ve the funds available to cover the cost of an emergency.

Had this card for over ten years its good don't pay any charges if you pay it in 30 day no monthly fees rates not to bad all in all good card.

I have a small limit on this credit card ($2000) which I use for online, I don't incur any fees or charges as I pay it off within 30 days, there is no monthly fee or yearly fee, however, there are now reward points for this card.

The Westpac Low Rate Card is a pretty good card and the rates are quite OK. Gets a decent interest free period on the closing balance and this works quite well if you pay the monthly balance in full each time.

The annual fee could be a bit lower, don't see why at almost $5.00 per month they couldn't have an even slightly lower interest rate. After all, they're already making money from the annual fee itself.

The one thing that is quite annoying is the fact that most overseas purchases cop a Foreign Transaction Fee on top of a not brilliant exchange rate.

Paying the credit card is simple and the app is great for keeping up to date with purchases. I've never had any problems with the card or the service from Westpac.

Transferable balance is easily done and efficient. It was easy to apply for the card and I use it daily. This was my first credit card with westpac and I am not disappointed.

I applied for this credit card (my first with westpac) to take advantage of the 26 months interest free on a balance transfer. Initially after it had been approved, it appeared they'd only given me 20 months interest free. They rectified it immediately after I made them aware of it and ever since i've just been making the minimum monthly payments to hopefully pay off the whole thing before the 26 months is up. The app is easy to use, I've used a few of the rewards (cheap movie tickets mostly). It's worth mentioning that this was the first credit card that accepted my balance transfer, after getting rejected by 2 others previously. Thanks Westpac!

I applied for this credit card to get the 18 months interest free balance transfer to pay off my other credit card. The process was easy to apply but then I had to jump through hoops with all the extra information I had to provide and then when I was approved I can only transfer 80% of the approved credit to my old credit card which I don't understand. So not too happy.

Saw the awesome cash back bonus on signing up for this card, $500 spend with $200 cash back, can’t go wrong. The online banking is easy to navigate as well.

October 10th 2022 Update: Good low rate credit card

Good low rate credit card, great incentive for getting new customers in the door. Customer service was fantastic. Had the card for almost 6 months and used it several times

Got this card due to its cashback promotion ($200 back after $600) spent. Other than the cashback, it's a typical low rate card with not much benefit. No problems so far.

I was down on my luck and didn't have anything fro Christmas (Not eating vegemite sandwiches again) So I went down and picked this one up for $1000 credit (also handy for buying things online) am happy with it no explosive fees and charges I just pay what I can when I can and it sorts itself out pretty happy with it, No real problems at all.