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Westpac Low Rate Credit Card: Get $250 Cash Back When You Spend $800 within 90 Days of Approval (Annual Fee $59)

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Westpac Low Rate Credit Card: Get $250 Cash Back When You Spend $800 within 90 Days of Approval (Annual Fee $59)
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johnno1987 on 02/08/2019 - 21:17 westpac.com.au (3174 clicks)
Last edited 03/08/2019 - 12:25 by 1 other user

Higher spend than the last couple of deals, but also higher cashback.

T&C: The cash back offer is available when you apply and are approved for a new Low Rate credit card from 1st August 2019 and 15th October 2019 and spend $800 on eligible purchases within 90 days of card approval. Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, refunds and balance transfers debited from the card account. The $250 cashback will be paid as a statement credit to your respective Low Rate credit card account within 60 days of meeting minimum spend criteria. Existing Westpac customers who currently hold a Low Rate credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer. Cannot be used in conjunction with a balance transfer promotion at card opening.

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closed Comments

  • [Deactivated] on 02/08/2019 - 21:49
    +9

    Net Profit = $191

    • payless69 on 04/08/2019 - 13:02
      +1

      Minus humiliating work disclosing all about you and been told they found that you had a virgin card and are now no longer eligible.
      Then one needs to go thru the tedious process to close it of the annual fee will eating savings in no time.
      Better deals out there, if you pay a fee get something in return like travel insurance or a useful reward system!

    • [Deactivated] on 04/08/2019 - 19:43

      Ha, $50 more than last time! And of course… I JUST received my card after signing up for last month's offer of $200 cashback lol

  • CyberMurning on 02/08/2019 - 22:34

    this is the previous deals Get $200 Cash Back When You Spend $400 (Annual Fee $59)
    https://www.ozbargain.com.au/node/467793
    https://www.ozbargain.com.au/node/438574

    • T-Quizzle on 03/08/2019 - 11:51

      Got the one last month when the car rego was due… cashback paid already..
      Now one for the wife 👍🏻

      • [Deactivated] on 03/08/2019 - 15:05

        Hmm, rego is counted for minimum spend, that means council, water and utilities will work too?

    • Clurt on 03/08/2019 - 12:20
      -3

      I already jumped on this deal, is the current one available to me?

      • CyberMurning on 03/08/2019 - 12:57
        +1

        read the post before asking….

  • freeman on 02/08/2019 - 22:42

    Is this card easy to cancel？

    • CyberMurning on 02/08/2019 - 22:47
      +33

      government now required ALL BANKS to have "cancel my card" feature/function ONLINE (app or website).

      https://www.finder.com.au/government-reforms-credit-cards-20…

      • freeman on 02/08/2019 - 22:50

        Thank you for your information

        • CyberMurning on 02/08/2019 - 22:52
          +4

          no prob. it's free, man.

      • sween64 on 03/08/2019 - 14:42
        +1

        Tell that to Bendigo Bank! They asked me to come in to branch just a few months ago. Hell no!

    • lachhelix on 03/08/2019 - 00:46
      +3

      Cancelled this exact card 2 days ago.
      Was 2 taps on the mobile app and it was all done

  • Quantumcat on 02/08/2019 - 23:49
    +20

    Eligible purchases do not include payments to the Australian Tax Office

    What if I buy iTunes cards to pay the ato with

    • Soluble on 03/08/2019 - 10:21
      +2

      Does it baffle you that every store has to have signs up advising this is a scam?

    • spaceflight on 03/08/2019 - 14:58
      +2

      I think it's okay.

      It also gets you a discount on your taxes. I saved 15% by paying my tax with iTunes cards.

      I think it helps the ATO collect offshore taxes from Apple through the gift cards.

  • mcyike on 02/08/2019 - 23:57

    "Existing Westpac customers who currently hold a Low Rate credit card, or who have held one in the last 12 months and packaged cards are not eligible for this offer."

    What does 'and packaged cards' mean? Seems a bit vague… The wording is rather awkward.

    • CyberMurning on 03/08/2019 - 00:01
      +1

      package card = free cc when you have mortgage with a bank, offset account. well not free technically because you pay yearly offset/package fee

      • mcyike on 03/08/2019 - 00:10

        Would that only apply if it's a packaged Low Rate card? Or any Westpac card? They're usually a bit more specific.

  • TheEnvelope on 03/08/2019 - 00:12
    +1

    How long does it usually take to get cashback from date of purchase?

    • CyberMurning on 03/08/2019 - 00:52
      +3

      my case: applied dec 2018, met requirement jan/feb 2019 cant remember, cash back july 2019

      • lubos on 03/08/2019 - 08:14
        +6

        Makes this deal pretty meh. The mental overhead of applying, tracking and then cancelling while taking taking a hit on your credit score just to get $200 is just not worth it.

        • sween64 on 03/08/2019 - 14:43

          It’s really not that hard. A few date based reminders.

      • Trendyoz on 03/08/2019 - 10:54
        +1

        My wife and I applied in March, spent straightaway and git cashback first week of April. Card closed straightaway

    • No ONE on 03/08/2019 - 02:49
      +6

      Honestly, alot of hassel for me. Had to contact multiple times to finally get it. Took 4 months in total (from the eligible purchase dates).

      As for commbank, I got it within 2 weeks.

      I would avoid Westpac in the future as it seems too many vague restriction to get the cash back.

      • Herbs on 03/08/2019 - 11:32

        Same for me. Westpac took a long time to get mt the cashback, waaay outside their stated terms (in my case spent in early Feb, didn't get cash back until late July), and only got it after I chased them up.

      • gamma on 03/08/2019 - 15:18

        Totally agree. I didn't have any issues with the rewards itself but this banks has to be the worst in Australia at the moment. When I applied for my previous card they took over 2 months for finally approving it as they have been asking 3 times for the documents I have previously sent them and I had to remind them to get it approved where as the bundled amex card was at my mail box within 4 days! Same is the service at branches. Don't expect teller at the counter to tell your current statement balance, system they have is so bad.

  • miq on 03/08/2019 - 05:09

    not bhed

    • Worf on 03/08/2019 - 07:45
      +3

      Good syze

  • d3sined on 03/08/2019 - 07:12
    +3

    Hi :) does opening and closing all these cards impact on your credit score? Thanks

    • lubos on 03/08/2019 - 08:11
      +6

      Of course. Are you new?

      • CyberMurning on 03/08/2019 - 08:40

        Yes he is Member since 2018. Probably student never have cc before

        • d3sined on 03/08/2019 - 09:15

          No I have credit cards but just wondering the impact of opening and closing them multiple times

          • brokenglish on 03/08/2019 - 16:00
            +1

            @d3sined: Only if you’re gonna take up a home loan in the next 12-24 months.

      • yphuongd on 03/08/2019 - 10:37

        But it may be good impact if you make your payments full and on time? I have had multiple cc open and closed but having 'excellent' credit score.

        • lubos on 03/08/2019 - 11:30
          +2

          Sure if you are going to actually use this card long-term. But why would you? There are zero annual fee cards which can earn points perpetually. This card has nothing going for itself other than one-time cashback.

          • yphuongd on 03/08/2019 - 12:04

            @lubos: Yeah, I'm using my Amex long term for point earning (thanks ChiMot). But what I mean is that opening and closing multi cc does not low down your credit score much if any, as long as no bad debts?

          • nemaya on 04/08/2019 - 11:16

            @lubos: Sorry which zero annual fee cards also earn points perpetually? Majority of the rewards cards I've seen come attached with annual fees.

            • lubos on 04/08/2019 - 11:39
              +1

              @nemaya: all AMEX no annual fee credit cards earn points. Obviously you should use the card only for purchases where vendor doesn't charge you extra for using AMEX.

              • nemaya on 04/08/2019 - 14:59

                @lubos: I see! Thanks, will look into it.

  • simba-au on 03/08/2019 - 10:28
    +2

    The only bank from big 4 that is still not implementing apple pay. There are better deals out there and they got apple pay.

    • JetBombat on 03/08/2019 - 11:08
      +1

      Which deals are better?

    • spaceflight on 03/08/2019 - 14:59
      +1

      I haven't linked any of my cards to Apple pay.

      Google can offer mobile pay for free but Apple wants to charge to use it so I would rather not use it.

      • brokenglish on 03/08/2019 - 16:01

        But banks are the ones getting charged, not you

        • spaceflight on 03/08/2019 - 16:28
          +5

          So the banks absorb this extra fee and loss of income because they like me?

          And stores don't factor in the extra cost of accepting credit cards because they like me?

          Of course I pay for it in several ways.

  • coolsteps on 04/08/2019 - 11:53

    anyone know of a balance transfer promo code for existing customers of 0%?

    • lachhelix on 04/08/2019 - 14:07
      +1

      Strangely enough - when I balance transferred a couple of years ago there was an offer that advertised with 24 months + balance transfer fee, but they never ended up charging me the fee so maybe they don't do it?

  • JeeMan on 06/08/2019 - 10:28
    +1

    This has probably been asked before, but just want to confirm are egift cards eligible purchases?

    • corky on 06/08/2019 - 16:19

      Eligible purchases do not include fees, cash, cash equivalent transactions,

      Maybe not, depends what they mean by "cash equivalent transactions"

      • CyberMurning on 06/08/2019 - 16:23
        +1

        correct. some people here will say "eligible, i got the cashback" BUT, just try try buy one small amount, you will see the transaction on your cc : "egift card". so technically westpac can say no it is not elibible.

        one trick is go to ww store and buy one candy and one giftcard in one receipt. westpac will not know. but then you loose 5% off from cashrewards/shopbacks.

  • Daddyhere on 07/08/2019 - 10:22

    Just got the Westpac Altitude Platinum 2 days ago.

    Am I eligible to this? To my interpretation, I am

  • hungrysmithers on 07/08/2019 - 13:35
    +1

    Just to clarify. If you spend $800 and pay this off you get a additional $200 ? Can you transfer this $200 and close your account or do you have to spend this $250.

    If this is true I'm thinking of purchasing $800 worth of Gold from Perthmint, spend another $250 on more GOLD, convert to PMGOLD certificate and close CC account.

  • brokenglish on 08/08/2019 - 19:13

    Westpac tryna pull a shifty. Called last week and this week to get the cashback for the spend $400 get $200, they told me they couldn't find the promo on their system. WTF. Did anyone screenshot the promo? I tried https://archive.org/ but can't see the promo.

  • Macamaca8 on 30/08/2019 - 08:31

    Does depositing money into a sports betting account count as a "cash equivalent transaction?

  • WordsToSayIt on 01/09/2019 - 13:03

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

    It says "Eligible purchases do not include fees, cash, cash equivalent transactions, payments to the Australian Tax Office, BPAY, refunds and balance transfers debited from the card account."

    What if I was paying medical fees via pressing CREDIT on an EFTPOS terminal? Would this be eligible under the $800 minimum spend?

    I've asked Westpac but they're closed until Monday and I bet you guys are more knowledgeable! 😀

    • Ryder08 on 01/10/2019 - 20:36

      Did you enquire about this? My guess is the answer is yes.

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