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No Annual Fee Mastercard (no longer for sale)

Latest Information

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.



Fees (these may change) Amount
Annual card 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 advance fee

An administrative charge of 3% of the value of the transaction will apply to each cash advance made on your card account.

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

Missed payment fee $15 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 fee will be debited to your account.
Overlimit fee If your card account was opened before 4 June 2012 a fee of $15 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.
eStatements NIL
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.
Other charges Download theCredit Card Terms and Conditions (PDF 273KB)

*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. 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.

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