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Looking to apply for a new No Annual Fee MasterCard® ?

Our No Annual Fee MasterCard® is no longer available.  See our full range of available credit cards.

No Annual Fee MasterCard® holders

If you currently have a No Annual Fee MasterCard® nothing has changed. Existing benefits, features, fees and the conditions that apply are outlined below.

Essentials

Fees

Fees (these may change) Amount
Annual fee $0
Foreign transaction fee

A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:

1. Transactions in foreign currency

  • MasterCard®: 3.0%

2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:

  • MasterCard®: 3.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Cash advances/withdrawal fee

An administrative charge of 2% of the transaction amount applies:

  • Where your account has a negative (debit) balance after the transaction, a minimum of $2.50 and a maximum charge of $150 will apply.
  • Where your account has a positive (credit) balance after the transaction a charge of $2.50 will apply.

These charges appear on your statement directly below the relevant cash advance.

Missed payment charge $9 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the missed payment charge will be debited to your account.
Over-limit fee $9 may be debited from your 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.
Duplicate statement fee $7.50 may be debited from your credit card account if you, or an additional cardholder, orders a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.
eStatements NIL
Other charges Download the Consumer Credit Card - Conditions of Use (PDF 229KB) .

*Fees are subject to change

Things you should know

1. MasterCard ® International Incorporated charges us 0.8% of the transaction amount where a transaction is made using your MasterCard ®and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.

2. MasterCard ® International Incorporated charges us 0.2% of the transaction amount for converting foreign currency transactions made using a MasterCard ®into Australian dollars. We pass this amount on to our customers.

World MasterCard®, MasterCard® and the MasterCard brand mark are registered trademarks, and PayPass is a trademark of MasterCard International Incorporated.

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

Visit the product page for each credit card to check the terms and conditions, including any rewards terms and conditions (if relevant) that apply.