Low Rate Cashback promotion: the cashback offer is available when you apply and are approved for a new Westpac Low Rate credit card between 31st August 2021 and 30th November 2021, and spend $4,000 or more on eligible purchases within 4 months (120 days) from card approval. […] Existing Westpac customers who currently hold a Low Rate or Lite credit card, or who have held one in the last 12 months, are not eligible for this offer.
$400 cashback with no annual fee is not too bad if you've finished with the ANZ rewards offer. $4k is a high amount but is spread over 4 months instead of the usual 3.
LOL, my credit score went up by +100 this month compare to last 3 months. All because I applied 2 more CCs in Aug and closed one account (although the information of the account that closed hasn't updated yet)
I wouldn't worry much about credit score/rating as long as you have a good history - stable job, decent income, good repayment history.
As gimme said, each bank has their own algorithm to access the risks. I've found I got easily with Citibank (almost instant approval within 48hr without any additional request) than ANZ (much longer delay to process and sometimes they call me to double check).