Low Fee Card
A straightforward credit card with no annual card fee, ever (minimum spend applies) and up to 55 days interest free on purchases.
- Purchase rate
- 20.99%
- Annual fee
- $30.00
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Interest on purchases · Interest free days may apply | 20.99% | — | — |
| Cash advance Interest on cash advances · No Interest Free days | 21.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Annual Card Fee Charged yearly
| Ongoing | $30.00 |
| 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. | Transaction | 3% of transaction |
| Cash Advance Fee | Cash advance | 3.5% of transaction |
| Missed Payment Fee $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. | Late payment | $20.00 |
| Overlimit Fee $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | Event | $0.00 |
| Non-Westpac Group ATM fee Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. |
Features
- Cashback offer — 240.00
- Earn $240 cashback on your new low fee credit card - Get $240 cashback when you spend $3.5k+ on eligible purchases in the first 90 days from card approval. Offer not available if you?ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.
- Interest-free period — 55 days
- Digital wallet — Garmin Pay
- Tap and pay quickly and easily using Garmin Pay.
- Digital wallet — Apple Pay
- Tap and pay quickly and easily using Apple Pay.
- Digital wallet — Google Pay
- Tap and pay quickly and easily using Google Pay.
- Digital wallet — Samsung Pay
- Tap and pay quickly and easily using Samsung Pay.
Eligibility
- Minimum age — 18 years18+ years old
- Residency status — Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- Minimum income — $30,000.00 p.a.Earn a minimum $30,000 per annum
- Customer having a regular, verifiable Australian taxable income.
- Customer having a fixed, verifiable residential address in Australia.
Constraints
- Minimum limit — $500.00
- Maximum limit — $50,000.00
More Information
Published by Westpac under the Consumer Data Right · Last updated 13 July 2026 · Product ID CCLowFee · View on CDR.gov.au