Low annual fee credit cards

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 304KB)

In respect of Westpac credit card applications started after 1 March 2019:

• All approved credit cards will be Mastercard branded
• The “55 Day Classic” card will be withdrawn from sale and replaced by the “Westpac Low Fee” card, and
• The “55 Day Platinum” card will be withdrawn from sale and replaced by the “Westpac Low Fee Platinum” card

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 or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.

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 first year annual card fee waiver: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 28th November 2018 and midnight 28th February 2019 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

>Purchase Rate Promotion: The introductory rate of 0% p.a. on purchases for up to 9 months applies from card approval when you apply for a new 55 Day credit card between 28th November 2018 and midnight 28th February 2019. After 9 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account. The introductory rate on purchases is not available in conjunction with any promotion other than the first year fee waiver available at card application.

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 6MB) which may be amended from time to time. Westpac does not guarantee this insurance.