This was posted 9 years 1 month 3 days ago, and might be an out-dated deal.

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Westpac Low Rate Credit Card $50 Statement Credit Per Month for Six Months (Spend $500 / Month)

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Westpac Low Rate Credit Card $50 Statement Credit Per Month for Six Months (Spend $500 / Month)
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R1ngSt1nger on 28/11/2015 - 10:48 info.westpac.com.au (2617 clicks)

If you sign up for a new Westpac Low Rate Credit Card up until 31 December 2015, you'll get $50 of statement credit back per month for six months (total rebate available is $300), when you spend at least $500 per month on your card.

  • Annual fee $59
  • Purchase interest rate 13.49%
  • Cash advance interest rate 21.49%

If you just spent the minimum of $500, then that's 10% of your purchases in credit, not too bad. Hope this helps some folk.

Terms & Conditions

Special promotion: The promotional offer is available when you apply and activate a new Westpac Low Rate card between 30 September 2015 and 31 December 2015 where you spend at least $500 each statement cycle on eligible purchases. Where you spend $500 in a statement cycle, a $50 statement credit will be added to your next statement. This offer is available for the first 6 statement cycles, so you are eligible to receive up to $300 in statement credits. Eligible spend excludes cash advances and balance transfers. Switches, upgrades, accounts in arrears, closed accounts, customers accessing employee benefits or packaged cards are ineligible. This offer is not available in conjunction with, or in addition to any other special offers, negotiated rates or discounts.

Financial Cashback Credit Card Low Interest

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closed Comments

  • 1jwoz on 28/11/2015 - 10:55
    +2

    Good deal, $191 for free from the commonwealth card and now $241 from this card. ($59 annual fee each).

  • Scrooge McDuck on 28/11/2015 - 11:16
    +5

    I don't spend $500 per month. Any suggestions as to something liquid I could buy to get the funds efficiently back into my transaction account?

    • [Deactivated] on 28/11/2015 - 11:32
      +10

      eneloops

      • WhyAmICommenting on 28/11/2015 - 11:39
        +1

        Lol. Or some kind of drink you like?

        • Scrooge McDuck on 28/11/2015 - 18:04

          Water? I wouldn't even spend $10 per month on that…

    • sween64 on 28/11/2015 - 11:42
      +1

      Fully refundable hotel booking on Expedia.
      Woolworths eGift cards.

      • WaywardOne on 28/11/2015 - 12:16
        +1

        Wow, $3000 ($500/month for six months) worth of Woolworths eGift cards. If they expire after 24 months, you'd have to spend $100-125/month on average…not outrageous, but you'd save more if you shopped at independent stores (or ALDI)

        • bluedufflecoat on 28/11/2015 - 12:28
          +3

          Not hard if you're a family of 4. Nappies, baby formula, etc.

        • flyingtrapeze on 28/11/2015 - 12:41

          Egift card can be used for fuel too right

        • sween64 on 28/11/2015 - 13:33

          @flyingtrapeze:

          Yep.

        • sween64 on 28/11/2015 - 13:34
          +2

          They expire after 12 months.

        • SmiTTy on 28/11/2015 - 14:15

          Petrol counts too.. not hard to spend this if your filling up fortnightly or less . Groceries on top

    • jkim on 28/11/2015 - 11:42

      Wish Giftcard using Entertainment or RACV…

    • muncan on 28/11/2015 - 11:43

      Liquid gold. Or if you prefer, solid gold. Then sell it back to the bank.

    • R1ngSt1nger on 28/11/2015 - 11:59
      +2

      Hey Scrooge, do you pay regular monthly bills, etc? Basically, I just put everything on my credit card, then pay it off at the end of the month. Is this possible for you to do?

      • muncan on 28/11/2015 - 12:01
        +3

        I reckon Scrooge McDuck doesn't pay for anything

      • Scrooge McDuck on 28/11/2015 - 12:26
        +19

        Hey Scrooge, do you pay regular monthly bills, etc?

        The only bill I have is on my face.

        • [Deactivated] on 28/11/2015 - 15:04
          +1

          Quack quack

    • teardrops21 on 28/11/2015 - 12:45
      +2

      buy things for family or friends who can pay you back in cash.

    • iSamurai on 28/11/2015 - 18:12

      Pay bills (and maybe even pay in advance), petrol, groceries (if you don't already use the 5% off gift cards)…

    • 4agte on 28/11/2015 - 23:18
      +3

      Send me an additional card I can help you reach the monthly quota ( ͡° ͜ʖ ͡°)

    • Peck on 29/11/2015 - 15:19

      Woolworths egift vouchers through cashrewards to top up your monthly spend to the $500. Purchase say 5 days before the end of your month.

  • hamwhisperer on 28/11/2015 - 12:04
    +1

    I won't bother applying after getting shot down by CBA only 3 weeks ago for the $191 one. So annoying tho :(

  • ITveteran on 28/11/2015 - 16:04

    Is there an interest free period? Otherwise not a bargain as you would have to pay over 65 bucks of interest each month.

  • [Deactivated] on 28/11/2015 - 16:09
    +3

    You have much to learn

  • paul11 on 28/11/2015 - 18:51
    +1

    Thanks OP. Applied and got approved with a $10K limit.

  • tg on 29/11/2015 - 11:26
    +1

    Will first statement cycle always be around 30 days regardless when you apply for card?

    • kati on 29/11/2015 - 12:20

      That's a good point… I used to have another Westpac card (note: not this one). The closing balance payment was due on the 22nd/23rd from memory and statements went from the 8th to the 8th. I have no idea whether it's the same with this card though? would be great if someone could confirm because I might choose to open this card after the 8th then!

      Bear in mind that Westpac offer 45 day interest-free periods or 55-day
      http://www.westpac.com.au/personal-banking/credit-cards/mana…

      it sounds like my card above was a 45-day interest free period, so i'd be really keen to know what the statement cycle is for a 55-day interest free period.

  • coolc on 29/11/2015 - 11:48

    http://www.westpac.com.au/personal-banking/credit-cards/low-…

    Not mentioned here ??

  • gwong on 30/11/2015 - 09:24
    +1

    Anyone else get a fail screen when it tried to send the SMS?

    • zzzzzzzzzz on 30/11/2015 - 17:24
      +1

      I'm getting the same thing in both Chrome and IE: It won't let you enter the SMS verification code, and goes to an error page instead. Looks like this application form is broken for now; I've called up and told them, so best to wait a week or so until it's fixed.

  • yht on 30/11/2015 - 09:42

    Possible first year fee free as long as you are an existing customer ?

    • fantacular on 01/12/2015 - 13:12

      how?

      • yht on 01/12/2015 - 21:14

        You can go to Westpac.com.au and then choose the Low interest rate credit card :
        $0 annual fee in the first year for existing Westpac customers who apply via westpac.com.au and click on the Westpac customers 'Apply now’ button. See 'Things you should know' section below for this promotion's terms and conditions.

  • angelbaby on 02/12/2015 - 10:43

    Just curiosity if we open a new saving account now and apply the credit card one or two day later, are we considered as existing customers?

  • thydzik on 04/12/2015 - 12:20

    thanks, i've applied

  • sky blu on 07/12/2015 - 03:07

    Does anyone know if additional cardholder(s) would be eligible to receive the statement credit as well?

    • R1ngSt1nger on 07/12/2015 - 11:57
      +1

      I doubt it, as the additional card hangs off the primary account.

      • sky blu on 07/12/2015 - 13:30
        +1

        Thanks. Was gonna get an additional for sis.

  • angelbaby on 16/12/2015 - 14:56

    I called the credit card head office and make sure the above promotion is available in my card, but they said they are not aware of any promotion as such and ask me to bring promotion hard copy to the branch and show them, so they can manual put that in my credit card profile.
    Anyone received their 1st statement with $50 credit yet? any issue with the credit?

    • hongd on 22/12/2015 - 13:57

      me too.
      Went to a branch and they don't know this offer, even showing them the website.
      They called hotline and the specialist doesn't recognize this offer.

  • yht on 25/12/2015 - 11:18

    My statement is still far away. Anyone has given the bank the copy of the promotion and successful ?

  • perthhunter on 25/12/2015 - 14:00

    website keeps crashing at the end of the application when I'm submitting and I click to receive sms code :(

  • PissLUR on 29/12/2015 - 15:12

    got my first statement, got charged the annual card fee + other charges. without the $50 credit.

    Gave them a call and let them know the promotion. was told that the $50 credit will appear on the next statement.

  • kati on 31/12/2015 - 16:24

    I fortuitously took a PDF of the Westpac web pages with the promo on it. The file is about 1MB. (6 pages) Does anywhere know where i can host a copy if other ozBargainers need it?

  • thydzik on 07/01/2016 - 00:00

    got my first statement today, $59 fee, no credit.

  • angelbaby on 07/01/2016 - 13:53

    me too, when to the branch and show them the hard copy of promotion page. they are not aware of this promotion and called head office and I was advised this will appear in the 2nd statement. Hope they do what they say. Never again for me with Westpac!

  • R1ngSt1nger on 07/01/2016 - 14:48

    That really sucks guys and girls, sorry about this. I originally saw this advertisement on my Facebook wall (sponsored post by Westpac), so it was definitely legitimate, however, sounds like Westpac haven't trained their teams about the deal properly. There's probably some sort of Internet team that would know everything about it, but getting in touch with them will be a challenge no doubt.

  • R1ngSt1nger on 07/01/2016 - 14:49

    On the page I linked, there's a 1300 number that you can call for applications for the deal… I wonder if it would be worth calling that number and saying that the deal isn't working, and can they apply it to your account, etc?

    The number is 1300 104 930

  • hongd on 07/01/2016 - 22:19

    I got the card eventually but ended up to utilize 18 months 0% BT instead of this cashback. Gained better as the credit limit is good enough.

  • TrailerTrash on 08/01/2016 - 10:35
    +1

    First statement today.. no "Rewards Credit $50"..

    Just got off from the Westpac call centre now (25min).. they had no idea of the offer and said all they could find was $0 fee for the first year if I was willing to accept that?! haha yeah right.

    Managed to escalate to a supervisor, who assured me the $50 rewards credit will appear on my second statement.. will wait & see, but still definitely worth it for a total $300 credit over 6 months! Now I'm off to put petrol & groceries on the card to ensure $500 for this month's statement.

    Thanks OP!

    Wishing all a great weekend.

    • R1ngSt1nger on 08/01/2016 - 12:56

      Good to hear you got some traction… shouldn't be this difficult though!

  • kati on 08/01/2016 - 12:43

    First statement a few days ago, no rewards credit ($50), got charged $59 fee too though was existing westpac customer

    Anyone had success in getting the rewards credit AND the $59 fee rebated?

    • PissLUR on 08/01/2016 - 13:03
      +1

      There are 2 different promotions.

      6x $50 cashback
      -https://banking.westpac.com.au/oregon/consumercards/pol/ccapp/appcapture?funcReqd=NewAppl&source=PL&card=404&promoCode=WAABM#/welcome

      first year free annual fee
      -https://banking.westpac.com.au/oregon/consumercards/pol/ccapp/appcapture?funcReqd=NewAppl&source=PL&card=404&promoCode=WABPN

  • brett-au on 11/01/2016 - 19:18
    +1

    Can I suggest, that what ever people find out from the supervisor they ask for some kind of reference or code that a normal operator can look up. It would save a lot of time to say I'm ringing about the $50 a month deal, which on your system is policy/proceedure XYZ123.

  • chalmo on 14/01/2016 - 17:13
    +1

    Currently on the phone to Westpac as no $50 statement credit… let's see how this goes…

    EDIT: OK, so the supervisors don't even know about the deal and are looking into it, had to give them the URL http://info.westpac.com.au/creditcards/lowrate/cashback/

    EDIT2: I'm assured that I will see it on my next statement, I imagine I'll have to call them again in a month's time.

  • zpohc on 15/01/2016 - 16:19

    I never received $50 credit as well -_-

  • brett-au on 15/01/2016 - 19:59

    No credit, but I spent $539 this month including the annual fee. Does anyone see why the fee isn't included in the spend? Just point me to some T&Cs..

  • sheya on 22/01/2016 - 18:41

    I didnt get the $50 cash back.
    Staff were asking me to point them to the deal.

    http://info.westpac.com.au/creditcards/lowrate/cashback/ this website doesn't show $50 cash back.
    in fact it goes to http://info.westpac.com.au/creditcards/lowrate (the cashback from the URL is removed)

    Staff were asking me to point them to the deal on their website.

    the above pdf works but it doesnt seem like its coming from the westpac website.
    does anyone have a working westpac URL that says $50 cash back for $500 spend please?

    • kati on 22/01/2016 - 21:21

      So did you show them the PDF and did they reject it because it wasn't from the website (ie. a live link)?

  • PissLUR on 24/01/2016 - 10:44

    Got my second statement and still no $50 credit.

    • thydzik on 24/01/2016 - 12:29

      let us know how you go trying to get the first credit, doesn't sound good.

      • PissLUR on 24/01/2016 - 12:45
        +1

        I have lodged a complain. not gonna make the call to them. let them worry about this first.

        Encouraging everyone to do the same.

        https://forms.westpac.com.au/forms/feedback.nsf/feedback?rea…

        • PissLUR on 25/01/2016 - 15:44
          +4

          Dear XXX,

          Thanks for your email regarding your Westpac card.

          Sorry to hear your experience with the $50 cashback promotion was not to your expectations.

          What we can confirm:

          Your card is eligible for the $50 cashback promotion when purchases totalling more than $500 are made during the statement cycle. You have met the eligibility criteria for the December statement.

          The first months $50 credits will be issued to eligible cards this week.

          We trust the above information helps resolve your concerns, we do appreciate your patience.

          Thanks again for contacting us about this.

          Yours sincerely
          Customer Feedback Manager

        • chalmo on 25/01/2016 - 18:04

          @PissLUR:

          Thanks, I'll hold off on calling them again to see if the credit comes in by itself by the end of the week.

  • PissLUR on 29/01/2016 - 10:12
    +1

    Got 2x $50 credits this morning.

    • yht on 29/01/2016 - 12:27

      Lodged complaint since 25th, no reply but got 2x credit this morning

  • kati on 29/01/2016 - 10:16

    Got 1 x $50 credit this morning too.

  • thydzik on 29/01/2016 - 13:23

    got 1x$50 as well, only had one statement so far.

  • angelbaby on 29/01/2016 - 17:21

    Received my 1st $50 credit today as well.

  • wawawoo on 29/01/2016 - 22:39

    Finally got my 2 x $50 credit today ^^
    Lucky I kept up with the $500 spending during my 2nd cycle

    • TrailerTrash on 30/01/2016 - 09:39

      Good to hear! My cycle is up on the 12th so will check again. I too have persisted with the $500pm spend just in case.

  • thydzik on 16/02/2016 - 10:59

    has anyone received the second separate $50?

    • 17833 on 16/02/2016 - 12:03

      No, looking like I will have to chase that up as well.

  • brett-au on 17/02/2016 - 11:01

    Second statement. I didn't get it on the first one (forgot to ring them) and it's missing on the second one too.

    • brett-au on 17/02/2016 - 11:17

      A small bit of light on the subject. The person on the end of the phone in applications read the add almost verbatim back to me. But the key difference was the start and end dates. She said June to September. So I'm guessing the team updated the website but not the back end.

  • thydzik on 02/03/2016 - 13:52

    got my second statement $50 credit, 1st march.

  • wawawoo on 16/03/2016 - 18:54

    Got my $50 cashback for my feb statement cycle yesterday

  • yht on 16/03/2016 - 21:20

    Have to lodge 2 online complaints plus 2 phone calls to get the third credit.

  • thydzik on 05/04/2016 - 17:19

    didn't get the $50 on this statement cycle

    claiming that paypal and foreign payments are not eligible transactions.

    still on the phone

    dodgy

    edit: couldn't send me the documents that showed these terms. claimed that as the offer is expired she doesn't have them.
    asked her then how can she prove it was in the terms. transferred me to customer service.

    • 17833 on 05/04/2016 - 18:26

      That is awful customer service. Especially gathering the purpose of the promotion woud be to lure customers to their credit cards. I didn't receive my $50 credit either for this month. Keep us updated.

      • thydzik on 08/04/2016 - 13:49
        +1

        Westpac said they would call me on Thursday to update me, never did.

        Check my account and saw that they credited me my $50 cashback.

        so far I have 3 out of my 6.

  • yht on 05/04/2016 - 19:06

    I have to lodge a complaint and phone them every month to get $50 credit even though they have assured me it will be automatically credited (from last month). But still, no credit for the last statement.

  • yht on 08/04/2016 - 14:08

    Westpac has dropped the ball in recent months. Not answering online feedback within 1 business day as they would normally do.

  • thydzik on 08/05/2016 - 23:05

    received my next statement, no credit.

    shall follow it up tomorrow.

  • thydzik on 09/05/2016 - 12:58

    51min call later, manually put through the $50 credit.

    to make it easier for others, you will want to be put through Customer Relations.

    I have also asked them to put a note on my account to make it easier next time I call up, shall see if it works next month.

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