Low annual fee credit card
How it works
Start by applying for a Low Fee card. Once approved create a ShopBack account or log into an existing ShopBack account in the ShopBack app.
Buy Gift Cards
Tap “Buy Now” and add your Low Fee card as a payment method to pay for the Gift Card.
Once you’ve paid, you’ll receive the Gift Card and any associated ShopBack Cashback reward in your ShopBack account.
Get $100 Cashback
If you’ve spent $100+ you’ll receive the Westpac Cashback as a statement credit to your Westpac Low Fee card account.
At a glance
|Card fee for first year
|Ongoing annual card fee* (or $0 with $5k p.a. spend)
|Variable purchase rate
|Variable cash advance rate
|Minimum credit limit
|Minimum income required
Other reasons to choose
Take control of your money within the Westpac App
Powerful money management tools in the palm of your hand.
Get spend and cash flow insights
Manage your cards in one place
Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app’s convenient Cards Hub.
View and transfer funds fast
Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.
Standard rates and fees
New cards only
|Annual card fee
|$0 card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $5k or more on purchases in each 12 months from the Card Fee date. Otherwise card fee is $30 p.a.*.
Foreign transaction fee
Payable as a percentage of the Australian dollar value of any foreign transaction.
Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
|Cash advance fee
3% of the value of the transaction will apply to each cash advance made on your card account.
These charges will appear on your credit card statement directly below the relevant cash advance.
|Missed payment fee
|$15 each statement cycle that the minimum monthly payment is not paid by the statement due date.
|Non-Westpac Group ATM fee
|Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. Find a Westpac Group ATM.
|Credit card surcharge
|In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.
Alternative credit cards
Frequently asked questions
Make purchases at an ongoing variable rate of 19.74% p.a.
Withdraw cash at a variable rate of 21.49% p.a.
Things you should know
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
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 annual card fee waiver: $0 card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card) in each 12-month period, starting from the Card Fee date.
<<Low Fee ShopBack Cashback promotion: the $100 cashback offer is available when you apply and are approved for a new Low Fee credit card between 12th December 2023 and 30th April 2024. $100 cashback will be awarded when $100 or more is spent in one or more transactions on Gift Cards via ShopBack.com.au within 90 days of new card approval. Cashback is only available on one credit card account per customer. $100 cashback will be paid as a statement credit to your Low Fee credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. This promotional offer is not available if you apply under the Westpac Premier Advantage Package.
1 SmartPlan: SmartPlan is currently available for eligible Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the available at westpac.com.au. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. Note: To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.
Autopay: A fixed dollar or percentage of your monthly credit card statement “closing balance” will be paid. If the “closing balance” is less than your nominated amount, only the “closing balance” will be paid. If your nominated amount falls below the “minimum payment due”, Westpac will debit the “minimum payment due”. Not applicable to Flex Card or in relation to PartPay Autopay. For more information on applicable Autopay preferences on Flex Card, refer to the .
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