I have this card for a while now. No issues with the card while shopping. The only thing is the rates are on the higher side which can become an issue while you fail with your payments

I have a Credit Card and its handy but I try really hard not to use it to much as the interest rates are so very high and because of the convienence you can overcommit so easily before you know it especially at Xmas time, then your paying off this debt with high interest as well for the rest of the year only to start all over again next Xmas. I try to keep my credit card Very very low so I know I can pay it off without suffering the rest of the year.

Signed up a few weeks ago for this card on the back of their spend $800, get $250 cashback promotion. The only hiccup was I didn't receive the card, so I had to call to cancel. But within a few days the new one arrived and I have started spending. I will probably only use it to make the spend amount so I can get the cashback as I don't really need another credit card and as far as I'm aware this one doesn't earn points. But for the cashback it's definitely worth it if you think you can meet the spend criteria within the timeframe (90 days I believe).

I applied for this card because of $250 cashback on $800 spend back in August, still worth it after all the annual fees. Application process is hassle free and quick, which is very important in making the whole experience.

I wish it didn't have fees but the low rate has been good to do a balance transfer and cut the interest rate that I was paying. Happy with the service.

This card i applied for cashback purpose. Though there is fees but still cashback is very good i.e. 250 aud on 800 spent. and if we less 59 aud fees then it would be around 190 aud i.e. really good amount.

Signed up for a cashback program and received the cashback in the time frame specified.
The sign up process was simple enough.
This card gets the job done, allowing you to make purchases online and instore. Also supports paywave.
There are better cards out there though as this one has an annual fee.
In summary, if there wasn't a cashback program to offset the annual fee, I wouldn't have signed up.

It's good value card but has annual fees. Some bank like commbank low rate waive fees when used more than $1000. I found Westpac has rigorous security and they block my card when I entered wrong password multiple times. It's bit annoying to visit branch to unblock the card.

Great credit card as my first one. Use it for pretty much everything and then pay it off each fortnight. I love that I don’t have to worry about bills or transferring from savings. Overall great card with basic features so it doesn’t tempt me to spend for rewards etc

This card was very basic, low rate, low fees, but that's about the only things it had to offer. I was approved at 18 with a low income so it's more a first time credit card.

Very pleased with this credit card, so easy to apply and fast approval and quick card delivery. Website very easy to navigate, the incentive of the $250 cash back was very appealing.

It’s a low rate credit card that is an entry level to cards with Westpac. It’s very basic so it doesn’t have any reward points attached to it, however it does have cash back offers. They run promotions with other stores where if you spend x amount they credit your card with a certain amount back for your purchase.

Overall my experience has been great, it’s very easy to transfer to via BPAY or usual online transfer. I’ve used it in Indonesia and didn’t notice any international fees however they do charge a 3% fee when paying to an overseas store. Happy to have my card through westpac

A basic card with basic features, but the sign-on cashback bonus makes it worthwhile. Otherwise, what do you get for the annual fee...? nothing really.
Plenty of other (better) $0 cards out there once you've cashed in on the cash-back especially given 3% Foreign Currency fee, no rewards, no apple pay, no insurances.
As a current Westpac customer sign up (and cancellation) processes very easy - great app.

I had this for a year and it was good. I signed up when they had $200 cash back. The application process was very easy and straightforward, I got mine approved right away. I honestly can't say anything bad about it. Get this if you're looking for a simple, hassle-free, low rate credit card.

What I like most about my Westpac Low Rate Card is that it only has a $59 annual fee and I can use it with google pay and Samsung pay.

It's a great that I've been using for the past five years that I pay off in full at the end of every month.
It works anywhere in the world where Visa is accepted. I've also taken out cash at global ATMs without any hassle.
Only negative point is that the card breaks after year and I have to order a replacement. It's probably because I use it a lot and it stays in my wallet which is in my back pocket.

Repayments are on pending for days. Poor customer service on social media and over the phone. They're unavailable to provide and clarify correct information in terms and conditions for current $250 cashback promotion.

Had the offer of $200 cash back when I spent $400 which was nice. Other than that no other benefits. Just a regular straightforward low rate credit card that's OK.

I use this for such a long time. I am very much satisfied with their services. I always recommend my friends. Very friendly and comparative . I like it very much.

- cashback which will cover the first three years fees.
- has nice offers with some of their partners
- initial card activation requires branch visit or waiting on phone with customer care, once done you off to enjoy the card.