Considerations
- A higher interest rate on purchases than our low rate cards
- No rewards points or complimentary insurances
What you're applying for
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Low Fee Card
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Summary
Let's recap on your choice of a Low Fee card
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Overview
Our low annual fee credit card that provides access to a revolving credit facility to make payments and perform other transactions
The important numbers
The following standard credit card interest rates, annual card fees and credit limits apply for the new card:
- Minimum credit limit of $500
- Annual card fee of $30[#](or $0 if you spend $5k p.a.)
- Variable purchase rate of 20.99% p.a. and variable cash advance rate of 21.99% p.a.
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Offer
Earn $240 cashback on your new low fee credit card
Get $240 cashback when you spend $3.5k+ on eligible purchases in the first 90 days from card approval[#].
Offer not available if you’ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
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Eligibility and what you'll need
You must be
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Aged 18 or over AND
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Live at a fixed Australian address AND
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Receive a regular and verifiable Australian taxable income AND
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Meet ONE of the following three requirements
- Be an Australian or New Zealand citizen OR
- Be an Australian permanent resident OR
- Hold a valid temporary residence visa with a minimum of 1 year before expiry. See eligible Australian visa
You'll need to provide
- Proof of income
- Current debts and expenses
Two of these ID documents
- Passport
- Australian drivers' license
- Medicare card
- Australian birth certificate
Confirm to start your application
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Yes, I am ready to apply
No, I want to look at something else
Apply now
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Other options
Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
- You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
- You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
- You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.
Things you should know