Credit cards will generally come with a variety of features that are designed to save you money. However, a low interest rate is the main feature of any credit card that will determine how much money you will save. The Westpac Low Rate Card is a credit card that offers you a low interest rate and a variety of features that will ensure that you will not pay too much. This article will explain the interest rates and the main features of the Westpac Low Rate Card so you can be sure that this is the right card for you.
Features of the Westpac Low Rate Card
The Westpac Low Rate Card offers you a range of features that will help you save money while providing you with a low interest rate. These features are:
- Interest rates: The Westpac Low Rate Card offers you a range of interest rates that will be charged depending on how you use the card: The interest rates are:
- 0% p.a. for 6 months (reverts to 13.49% p.a.) p.a on purchases;
- 21.49% p.a. p.a on cash advances.
- Discounted interest rates on cash advances. The Westpac Low Rate Card offers you a discount on interest rates for any funds that are transferred from another card. The Westpac Low Rate Card offers you a low interest rate of 0% p.a. for 6 months. This will allow you to get your finances sorted out at the beginning of your contract.
- Interest free period. The Westpac Low Rate Card does not charge interest on your purchases immediately. The interest free period offered with the Westpac Low Rate Card is 55 days. The interest free period can give you time to pay off the purchase before interest is charged.
- Choice of cards. You may frequent a country where one type of card is more accepted than another. The Westpac Low Rate Card allows you to choose from either a VISA or a MasterCard. This feature allows you to make sure that the card is suited to your needs.
- Low annual fee. The Westpac Low Rate Card charges a low annual fee of $45.
- Comprehensive card security. The Westpac Low Rate Card offers a range of security features that will help protect your card from unauthorised use. The security features offered with the Westpac Low Rate Card are:
- Card Shield. The Card Shield service is a service that protects your card from fraud. The card shield service offers you a range of features such as fraud deterrent stickers and access to emergency cash. The Card Shield service does its best to ensure that no fraud occurs but if you do lose your card you will be protected and have access to emergency products.
- Card Microchip. The Westpac Low Rate Card has a microchip installed so the card has increased security.
- Confirmation on purchases. The Westpac Low Rate Card allows you to receive confirmation on credit card purchases before they are processed. When you charge money to the card you can use either MasterCard Secure Code or Verified by VISA and receive a notification by text or phone. This will allow protect you against fraud and unauthorised transactions.
Many providers offer you a great credit card package with many additional features that will help you save money. However, the main feature that will help you save money is the interest rate. The Westpac Low Rate Card offers a great card package with a low interest rate. The low interest rate allows you to save money and the other features can help a bit more. To find out more about the Westpac Low Rate Card please do not hesitate to contact us.
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Posted on Thursday, June 10th, 2010 at 5:20 pm
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