Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input
Find the right card
Westpac Low Rate credit card

Westpac Low Fee

Everyday credit, with no annual card fee, ever (minimum spend applies)*.
 


Essentials
  • 20.09% p.a. ongoing variable purchase rate
  • 21.49% p.a. variable cash advance rate
  • Up to 55 days interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.
Special purchase rate offer

0% p.a. on purchases for 15 months#.

 

Plus, 0% p.a. for 6 months on balance transfers requested at card application^^. No balance transfer fee. After 6 months the rate reverts to the variable cash advance rate.

 

Conditions, T&Cs apply.

Westpac Low Rate credit card

Westpac Low Fee Platinum

Platinum extras, with no annual card fee, ever (minimum spend applies)*.


Essentials
  • 20.09% p.a. variable purchase rate
  • 21.49% p.a. variable cash advance rate
  • Up to 55 days interest free on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) on time.
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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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: Available when you apply and are approved for a new Low Fee credit card between 12th November 2020 and 31st March 2021. The special promotional purchase rate applies from card approval, after the promotional period, the rate will switch to the variable purchase rate then applicable to your card account. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

^^Low Fee Balance Transfer Promotion: This offer is available when you apply and are approved for a new Low Fee credit card between 12th November 2020 and 31st March 2021, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining 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). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. These promotional offers are not available if you apply under the Westpac Premier Advantage Package.

*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.

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