This was posted 2 years 9 months 1 day ago, and might be an out-dated deal.

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Westpac Low Rate MasterCard: $400 Cashback with $4000 Spend in 4 Months ($59 Annual Fee, $0 First Year, New Cardholder Only)

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Westpac Low Rate MasterCard: $400 Cashback with $4000 Spend in 4 Months ($59 Annual Fee, $0 First Year, New Cardholder Only)
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timhn on 21/03/2022 - 10:38 westpac.com.au (335 clicks)

Same with Westpac Low Rate CC expired deal previously where spending $4000 within 4 months for $400 back.

Not quite as good as before due to the change in the T&C:

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Up to $400 cashback – $100 cashback for each month you spend $1,000 or more on eligible purchases in the first 4 months from card approval.

Low Rate Cashback promotion: the $400 cashback offer is available when you apply and are approved for a new Low Rate credit card between 24th February 2022 and 30th June 2022. $100 cashback will be awarded for every month (statement period) $1,000 or more is spent on eligible purchases for the first 4 statement periods from card approval. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account. Cashback is only available on one credit card account per customer. $100 cashback will be paid as a statement credit to your Low Rate credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer.

Already with Westpac? Sign in to apply and we’ll waive your first year’s card fee.

So basically, the $100 cashback for each month (statement month) after you spent $1000 or more in that month. You'll need to keep this card for at least +4 months.

Financial Cashback Credit Card MasterCard

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closed Comments

  • cook99 on 21/03/2022 - 10:44
    +1

    Over $800 cashback through annual fee rebates on this card. You can redeem multiple different and duplicate annual fee rebates with your reward points.

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

    Create a debit account to avoid the annual fee fee on this one too.

    • thewiseone on 21/03/2022 - 10:49
      +3

      Beware westpac everyday transaction accounts will have a monthly account keeping fee (I think it's $5) if you don't deposit over $2k in there.

      • cook99 on 21/03/2022 - 11:51

        Good callout, I put $2k in there on opening account which paid onto credit card first month anyway.

        • silentkeepcup on 21/03/2022 - 12:25

          From what I've read on whirlpool as long as you've had an account with Westpac (and have a online banking login) you can access the "existing customer" offer

          • iori57 on 22/03/2022 - 09:05

            @silentkeepcup: this is correct, cancelled my Westpac few years ago but I kept the login details, was able to login and sign up as existing customer

            • alibabapria on 23/03/2022 - 23:54

              @iori57: Same as me, cancelled the black card couple years ago and retained the login details. I am able to sign up as existing customer with $49 annual fee.

    • Gundala on 21/03/2022 - 14:40

      You still get charged an annual fee of $49 in the first year as per the TOC?

      • cook99 on 21/03/2022 - 15:22

        There is an offer for existing customers to not get charged an annual fee first year

    • BexForHeadache on 21/03/2022 - 23:10

      How does this work, I have that card but the highest rebate option available is $250?

      • cook99 on 21/03/2022 - 23:26
        +1

        Redeem $250 multiple times.
        Or a mixture of the various rebates

  • CyberMurning on 21/03/2022 - 10:45

    Pure New cardholders full stop
    or can be eligible if we do not hold in the last 12 months for example?

  • krazek on 21/03/2022 - 11:29

    The fact you'd have to hold this for at least 4 months and cant just spend the min amount in one go is annoying

  • CalmLemons on 21/03/2022 - 12:04
    +2

    westpacs online system is absolute trash.

    • 00 on 21/03/2022 - 14:54

      what bank’s online system is best?

      • firestint on 21/03/2022 - 15:46
        +1

        CBA is much better but I wouldn't say Westpac's one is absolute trash. Its one of the better ones, wait till you use HSBC and also, despite being one of the big 4, NAB system has much to improve.

    • timhn on 21/03/2022 - 17:56

      Wait till you use HSBC or Citibank.

  • sween64 on 21/03/2022 - 12:22

    I’ve met the minimum spend criteria but haven’t received my credit. I’m only in my second statement month.

    Application was easy.

  • Wtohi on 21/03/2022 - 20:18

    Application easy online, spent the 4k first week and received the cashback the week after.

    • iori57 on 22/03/2022 - 09:07

      I thought one needs to spend 1k each month over the course of 4 months?

    • CyberMurning on 24/03/2022 - 00:06

      Please clarify? 4k first week?

      • Wtohi on 24/03/2022 - 08:36

        Did a group booking for accommodation, spent 4k. Recieved the 400$ cashback the following week. E Z

        • CyberMurning on 24/03/2022 - 11:39

          when you applied, the T&C said $100 back each month spend $1000 for 4 months or just spend $4k get $400 back?
          probably previous offer is different from this one

  • AussieDeals on 21/03/2022 - 20:39
    +1

    'Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer.' - previously you were still eligible for the $400 CB offer on the Low Rate card if you had an unrelated Westpac card (e.g. Altitude card) but appears that holding any other Westpac card prevents you from qualifying for the promo now.

    This, in combination with the need to keep for 4 months to get the full CB, seems to indicate that they are trying to somewhat hinder those who churn multiple cards rapidly

  • CyberMurning on 24/03/2022 - 00:06
    -1

    Bpay not eligible how people spending $1000 eqch for 4 months?

  • Frozensage on 29/03/2022 - 12:17

    On the previous deal. Already spent 4k 2 weeks ago and still got nothing. The lady at the call centre said the condition was you need to hold the card for 4 month to get the cashback… :(

    • timhn on 29/03/2022 - 20:37

      She was reading from the current deal. In the previous deal, people said they received the cashback within less than a month that they've met the spending requirement.

  • Savealopoulos on 09/04/2022 - 17:26

    Are you eligible if you have held a Westpac Corporate Credit Card in the last 12 months??

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