Low annual fee credit cards
Westpac Low Fee
Everyday credit, without the annual card fee (minimum spend applies).*
Essentials
- 20.09% p.a. variable purchase rate
- 21.49% p.a. variable cash advance rate
- Pay no interest on purchases for up to 55 days when you pay off your balance in full each month.
- Pay no annual fee in the first year, saving $30*
Westpac Low Fee Platinum
Platinum extras and no annual card fee (minimum spend applies).*
Essentials
- 20.09% p.a. variable purchase rate
- 21.49% p.a. variable cash advance rate
- Pay no interest on purchases for up to 55 days when you pay off your balance in full each month.
- Pay no annual fee in the first year, saving $90*
More to help you choose
Existing customers
Things you should know
Consumer Credit Cards - Conditions of Use (PDF 288KB)
Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB)
Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 67KB)
Switches, upgrades, or Westpac Group staff are ineligible. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Westpac is the credit provider and credit licensee under National Consumer Credit Laws.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
*Low Fee first year annual card fee waiver: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new Low Fee or Low Fee Platinum credit card between 16th October 2019 and midnight 31st March 2020 and spend $5,000 or more on a Low Fee credit card or $10,000 or more on a Low Fee Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.
4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.
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