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At a glance

$0 Card fee for first year
$30 Ongoing annual card fee* (or $0 with $5k p.a. spend)
20.09% p.a. Variable purchase rate
21.49% p.a. Variable cash advance rate
$500 Minimum credit limit 
$30,000 p.a. Minimum income required

See below for standard rates and fees.

 

Pay zero interest on purchases for 15 months

Get a new card to take advantage of this purchase rate offer#.

This 0% p.a. interest offer is on purchases for 15 months with a new card.

Following this promotional period, any outstanding balance on purchases and future purchases will revert to our standard rate of 20.09% p.a. Cash advances are excluded from this offer. T&Cs apply.

Low (or no) annual card fees

No annual card fee (as long as you make a minimum spend of $5k 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.

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.

Up to 55 days interest-free

To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period.

Other reasons to choose

You don’t need a rewards card to get rewarded. Westpac Extras includes personalised cashback offers sent directly to your email. Simply use your card as normal and we’ll automatically credit your account.

Could this credit card be suitable for you?
 

It could be if:

  • You’re likely to repay your purchases in full each month (taking advantage of up to 55-days interest-free)
  • You want credit card convenience with our lowest annual card fees (or no annual card fee if you spend more than $5k p.a.) 

 

There may be better options if:

  • You're unlikely to repay your purchases in full each month, consider our Low Rate cards
  • You want rewards points, consider our Rewards cards
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 $5,000 or more on purchases in each 12 months from the date of the first transaction on your account. Otherwise card fee is $30 p.a.*.

Foreign transaction fee

3.0%

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

3.0% 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 ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). 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 20.09% p.a.

Withdraw cash at a variable rate of 21.49% p.a.

Before you apply

Follow this section to improve the likelihood your application is approved. 

Things you should know

Credit criteria, fees and charges apply. 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.

#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 19th October 2021 and 30th June 2022. After 15 months the rate will switch to the variable purchase rate then applicable to your card account.

*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 date you made your first transaction.

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 Online Banking terms and conditions (PDF 236KB) 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 Credit Card Terms and Conditions (PDF 200KB) 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. For more information on applicable Autopay preferences on Flex Card, refer to the Terms and Conditions (PDF 156KB).

Read the Apple Pay Terms and Conditions (PDF 79KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

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