Important notice about our personal credit cards
Changes to Westpac Low Rate credit card fee
From 29 June 2026, we’re changing how the card fee on the Westpac Low Rate credit card is charged. Instead of an annual card fee of $59, we’re moving to a monthly card fee of $7.
If you apply before 29 June 2026, the annual fee of $59 will continue to apply in your first year, however, it will revert to the monthly fee on your next card fee anniversary (which is 12 months after the annual fee is first charged to your card).
Frequently asked questions
If you apply before 29 June 2026, your card will be set up with the annual card fee. You'll transition to the monthly fee at your next card fee anniversary (up to 12 months later).
Customers with home loan packages will be charged the $7 monthly fee when the package ends, is closed, or the card is removed from the package.
Customers on a promotional fee offer will be charged the monthly fee when the promotional offer ends.
If a monthly fee isn’t right for you, there are other credit cards available charging annual fees.