Low annual fee credit cards
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.
Online offer only. Conditions, T&Cs apply.
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.
More to help you choose
Existing customers
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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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.
Online only – Purchase Rate and Balance Transfer promotion: The promotional purchase rate and balance transfer offers on this page are only available when you apply and are approved via this website (you will not be eligible for these offers if you apply in Branch or via Call Centre or any other website). These promotional offers are not available if you apply under the Westpac Premier Advantage Package.
#Purchase Rate Promotion: Available when you apply and are approved for a new Low Fee credit card between 6th August 2020 and 2nd December 2020. 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.
^^Low Fee Balance Transfer Promotion: This offer is available when you apply and are approved for a new Low Fee credit card between 6th August 2020 and 2nd December 2020, 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.
*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.
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