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With all our Low Fee credit cards you can enjoy:

Low (or no) annual card fees

No annual card fee (as long as you make a minimum spend each year) can help cut costs – as long as you pay off your purchases by the due date each month to avoid the higher interest rates.

Up to 55 days interest-free

To give you more opportunity to repay your closing balance on time.Note cash advances aren’t covered by this interest-free period.

No card? No problem

On top of Apple Pay, Samsung Pay and Google Pay, you can activate and use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

At a glance

Westpac Low Rate credit card

Westpac Low Fee

Everyday credit, with a low annual card fee (or no fee with minimum spend)*

$0 Annual card fee for first year
$30
Ongoing annual card fee* ($0 with $5k p.a. spend)
20.09% p.a. Variable purchase rate
$500
Minimum credit limit 
Up to 55 days Interest-free on purchases2
Special offer

0% p.a. on purchases for 15 months# from card approval.

New cards only. T&Cs apply.

Westpac Low Rate credit card

Westpac Low Fee Platinum

Platinum extras, with a low annual card fee (or no fee with minimum spend)*

$0 Annual card fee for first year
$90
Ongoing annual card fee* ($0 with $10k p.a. spend)
20.09% p.a. Variable purchase rate
$6,000 Minimum credit limit
Up to 55 days Interest-free on purchases2
Selected benefits

Complimentary insurance covers4.

Prefer a Low Rate or Rewards card?

Need help with Credit Cards?

Things you should know

Credit criteria, fees and charges apply. 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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

#Purchase Rate Promotion: The special promotional rate of 0% p.a. on purchases for 15 months applies from card approval when you apply and are approved for a new Low Fee credit card between 31st March 2021 and 7th September 2021. After 15 months the rate will switch to the variable purchase rate then applicable to your card account.

2. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

*Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction.

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 391KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.