What you're applying for
Let’s recap on your choice of a Low Fee card – before you start your application.
IMPORTANT NOTICE: From 20 June 2024, some of our credit card rates will increase, find out more. |
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The important numbers
| First year annual card fee | $0 |
| Ongoing annual card fee | $30* (or $0 if you spend $5k p.a.) |
| Variable purchase rate | 19.74% p.a. |
| Variable cash advance rate | 21.49% p.a. |
| Minimum credit limit | $500 |
New cards only
Get even more Cashback with Westpac and ShopBack
Get $100 Cashback when you spend $100+ on Gift Cards purchased via Shopback.com.au within 90 days of card approval.<<
What you'll get
- A low ongoing annual card fee* (or none with a minimum annual spend)
- Up to 55 days interest-free on purchases²
- Option to split purchases of $100 or more into 4 payments over 6 weeks using PartPay Card
Considerations
- A higher interest rate on purchases than our low rate cards
- No rewards points or complimentary insurances
Check whether you’re more likely to be approved
What you'll need
At least two forms of ID
Australian driver licence, Medicare card, Passport, Australian birth certificate (Have your mobile handy as we’ll be sending you verification codes).
Current debts
Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay.
Proof of income
Recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment.
Still not sure what you need? Check our application documents page for all the details.
Check your credit history
Before applying you may like to confirm that your credit report is up-to-date. Head to CreditSmart.org.au and follow the links to a free credit report (subject to eligibility). More about credit reports.
Before continuing
A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
- You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
- You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
- You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.
Things you should know
Credit criteria, fees and charges apply. Credit Card Product 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 annual card fee waiver: $0 card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card) in each 12-month period, starting from the Card Fee date.
<<Low Fee ShopBack Cashback promotion: the $100 cashback offer is available when you apply and are approved for a new Low Fee credit card between 12th December 2023 and 30th April 2024. $100 cashback will be awarded when $100 or more is spent in one or more transactions on Gift Cards via ShopBack.com.au within 90 days of new card approval. Cashback is only available on one credit card account per customer. $100 cashback will be paid as a statement credit to your Low Fee credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. This promotional offer is not available if you apply under the Westpac Premier Advantage Package.
2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.