Low annual fee credit cards
COVID-19 and credit card applications
Important information regarding credit card applications
The impact of COVID-19 means we are experiencing long lead times to process the applications of those who do not currently have an account with us. Current customers may also experience delays. Please read the ‘Before you apply’ section on the individual card pages carefully before applying.
Westpac Low Fee
Everyday credit, without the annual card fee (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.
- Pay no annual fee in the first year, saving $30*
Westpac Low Fee Platinum
Platinum extras and no annual card fee (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.
- Pay no annual fee in the first year, saving $90*
More to help you choose
Existing customers
Things you should know
As of 1 May 2020, Westpac Concierge will no longer be available through Westpac Platinum Credit Cards.
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 annual card fee is available for the first year and every year afterwards when you apply 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 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.
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