Why choose the Low Fee card?
- Pay no annual card fee in the first year (currently saving you $30) and in following years if you spend $5,000.*
- Pay no interest on purchases for up to 55 days when you pay off your balance in full each month.
How does a Westpac credit card help me?
Westpac Extras includes great shopping cashback offers that work on top of any other discounts. Simply use your card as normal and we'll credit your account. No codes, no coupons, all-easy.
Plan smarter repayments
Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.1
Track your spending easily
Adjust payment limits, place your card on hold and track your balance quickly and easily using the Mobile Banking app.
Know what to pay when
Frequently asked questions
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 $500 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
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.
|Annual card fee||Special promotion: $0 annual card fee in the first year on a new card. Plus, $0 annual card fee in subsequent years when you spend $5,000 or more on purchases in each 12 months from the date of the first transaction on your account, currently saving you $30.*|
Foreign transaction fee
Payable as a percentage of the Australian dollar value of any foreign transaction.
Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
|Cash advance fee
If the card has a negative balance after the transaction: 2.0% or $2.50, whichever is higher (max. $150).
If the card has a positive balance after the transaction: $2.50
These charges will appear on your statement directly below the relevant cash advance.
|Duplicate statement fee||$2.00|
|Missed payment charge||$15 each statement cycle that the minimum monthly payment is not paid by the statement due date.|
|Non-Westpac Group ATM fee||Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMS across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM.|
|Credit card surcharge||In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure.|
|Over-limit fee||If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.|
Things you should know
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.
*Low Fee 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 Low Fee or Low Fee Platinum credit card between 16th October 2019 and midnight 31st March 2020 and spend $5,000 or more on a Low Fee credit card or $10,000 or more on a Low Fee Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.
1 SmartPlan : SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply.
You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions available at westpac.com.au
The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) with a balance transfer when you pay the Monthly Payment Balance specified on your statement by the due date. The Monthly Payment Balance includes any SmartPlan instalments but does not include any outstanding balance transfers.
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