Low annual fee credit card

From verifying suspicious transactions to our fraud money back guarantee, we aim to keep you protected.

Manage your repayments with options like SmartPlan¹, Card Autopay and SMS payment reminders.

If you spend $5,000 or more on purchases in a year this fee will automatically be waived - and will continue to be waived each year you spend this amount. This is calculated from the anniversary of the first transaction on your account.*

SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.¹

Credit card balance SmartPlan

Turn any of your outstanding purchase, cash advance or promotional plan (e.g. balance transfer) balances of $200 or more into a SmartPlan. The purchase balance SmartPlan type is currently available at a lower interest rate.¹

Large purchase SmartPlan

Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $200 or more that you’ve bought on your card in the last 30 days – think purchases such as a flight, hotel bill or even a new fridge. Large purchase SmartPlans are currently available at a lower interest rate.¹ 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.

The security of your card and information is extremely important to us. We have a range of security measures in place to ensure that your account is protected, including online. Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers.

We also have your back if something does go wrong. Our Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.

You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help:

1. Make sure you’re meeting your current repayment obligations for

    - other credit cards or loans (including lenders such as afterpay and zip pay)

    - rent as well as utilities such as your phone, internet and electricity.

2. Check the details on your credit report are correct before applying. Head to CreditSmart.org.au and follow the links to a free credit report. More about credit reports.

3. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.

Make sure you have everything in the list below:

• Current debts in your name (e.g. home loan, personal loans, other credit or store cards as well as instalment purchases such as zip pay) 
• Proof of income. If your pay doesn’t already go into a Westpac account, you’ll need to show at least one of the following:

    o Two payslips from your main employer from the last two months

    o A Government Authority statement from the last two months confirming your pension or           allowance

    o Rental income proof covering the last three months

    o Self-employed? You’ll need to show you’ve been in business for at least 18 months, the             last two months’ business bank statements and last year’s Notice of Assessment. 

• All your regular monthly expenses (including phone bills, insurances etc.)
• Your frequent flyer number (if applying for an Altitude Qantas or Altitude Velocity card)
• If you want to transfer the balance of another account or credit card, we’ll need those details too.

If you’re already a Westpac customer, you’ll also need to:

• Sign into online banking to double-check your personal details (name, address etc) are up-to-date
• Apply as an existing customer in the application form
• We will have answered some of the basic questions such as personal details (name, address etc) on your application for you. Check that they’re correct.

Additional eligibility criteria or documentation may be required.