Low Annual Fee credit cards

Consumer Credit Cards - Conditions of Use (PDF 151KB)

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

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.

*55 Day no annual fee promotion: $0 annual fee in the first year and $0 annual fee in subsequent years when you spend $5,000 or more on a 55 Day Card or $10,000 or more on a 55 Day Platinum card on purchases in each 12 months from the anniversary date of the first transaction on your account. Offer available on new card applications when you apply between 7th July 2016 and 11th October 2016.

Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.

Purchase rate promotion: The introductory rate of 1.00% p.a. on purchases is available when you apply for a new Westpac credit card between 7th July 2016 and 11th October 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 12 months after the date of card approval. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.

Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.