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Why choose the Low Fee Platinum card?
 

Low Fee Platinum credit card

   

  • Pay no annual card fee in the first year (currently saving you $90) and in following years if you spend $10,000.*
  • Complimentary insurance covers. 4
  • Make the most of 24/7 personal concierge services over the phone.
  • Get up to 55 days interest free on purchases when you pay your balance in full each month.

More reasons to choose the Westpac Low Fee Platinum card

Westpac Extras

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

Complimentary insurance cover4

Shop and travel with confidence with complimentary cover for overseas travel, extended warranty, purchase security transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB).

24/7 personal concierge services

Have your own personal assistants at hand 24/7, from anywhere in the world. They'll help you with anything from finding a restaurant to planning an event.


Special offer for a limited time

Pay no annual card fee in the first year, saving $90.*
Offer ends midnight 31st March 2020. New cards only.


Frequently asked questions
 

If you spend $10,000 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.*


As a current Westpac Altitude Low Fee Platinum cardholder, you are eligible for complimentary Overseas Travel Insurance cover 4, provided you:

1. You either permanently reside in Australia or hold a current and valid residency Visa and reside in Australia; and

2. You spend at least $A500 on your prepaid travel costs (i.e. your travel costs that you pay for before leaving Australia) and you charge these costs to your Altitude Low Fee Platinum card.  This could include return travel tickets, airport or departure taxes, overseas accommodation etc.; and

3. You have a return overseas travel ticket before departing Australia; and

4. You are not over 80 years of age when you first become eligible for this cover by meeting the above conditions.  

For full details on complimentary insurance, please read the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB).

Overseas travel insurance 4 (see policy for details)

The following is a summary only of some of  the benefits available under the Overseas travel insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) for further information).    

  • Medical and hospital expenses incurred overseas;
  • Loss or damage to personal property;
  • Loss or damage to travel documents;
  • Personal liability cover;
  • Rental vehicle excess cover for loss or damage to rental vehicle;
  • Unexpected cancellation of travel arrangements and other unexpected expenses
Transit accident insurance

The following is a summary only of the benefit available under the Transit accident insurance policy (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) for further information).
Transit accident insurance cover against specified accidental death or injury when sustained while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using your Low Fee Platinum card before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of new personal items purchased in Australia and overseas using your Low Fee Platinum Card. The following is a summary only of the benefit available under the Purchase security insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) for further information).

Extended warranty insurance

The following is a summary only of the benefit available under the Extended warranty insurance (Terms, conditions and exclusions apply.  Refer to the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) for further information).

 

 

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 $10,000 or more on purchases in each 12 months from the date of the first transaction on your account, currently saving you $90.*

Foreign transaction fee

3.0%

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.

Follow these tips to minimise credit card fees and charges.

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 305KB)

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.

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.

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 Westpac SmartPlan Terms and Conditions (PDF 51KB) 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.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

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