- No annual fee: $0 annual fee in the first year, and ongoing when you spend at least $5000 on the card in the previous year.
- Money tools: Interest-free repayment plans, autopay options and an intuitive Westpac app to track spending.
- Discounts: Use Westpac Extras and Westpac Lounge to earn cashback and score discounts with thousands of big brands.
- Flexibility: Sync your card with Apple Pay, Samsung Pay and Google Pay.
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Westpac Credit Cards
Westpac Low Fee Credit Card
Updated 20 February 2025
No annual fee and cashback are this card’s winning team 🏆. Plus pay no annual fee the first year and every subsequent year you spend $5000 on the card.
Manage money easily with payment plans and autopay, and earn discounts and cashback through Westpac Lounge.
Purchase Rate (p.a)
20.99%
Annual Fee (p.a)
$0 first year. Then $30 p.a.
Pros and cons
- 3% foreign transaction fee
Creditcard.com.au review
Editor Review
Westpac Low Fee Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
Overall Rating
The Westpac Low Fee credit card keeps costs super low and has a minimum credit limit of just $500. It doesn’t have a particularly low interest rate, but it is a great deal for a card with no annual fee the first year.
And, as long as you’re not keeping the card in a sock drawer, you can potentially meet the minimum spending criteria each year and avoid annual fees forever.
Editor’s Review: What I love about the Westpac Low Fee credit card
Some people might like this card because it comes from one of Australia’s biggest banks. But it also has some nice extras that make it a good deal even if the brand isn’t on your mind.
Let’s look at the special perks in more detail, and then I’ll unpack some of its other features:
$0 annual fee: The first year’s fee is automatically waived. After that, the fee is waived if you spend $5000 or more on eligible items in the previous year.
Westpac says: “Eligible purchases do not include interest, fees, charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited to the card account”.
Other features and extras
While you won’t find rewards points on this card, it does make money management easy with these tools and gives you ways to earn cashback on your spending.
Westpac SmartPlan instalments: SmartPlan lets you split your repayments into interest-free instalments over 3, 6 or 12 months (but an establishment fee will apply). You can choose from 2 plan types:
- Large Purchase Smartplan for single purchases of $200 or more within the past 30 days.
- Balance Smartplan for your credit card balance or any amount you nominate, as long as it’s $200 or more.
Autopay: “Never forget a credit card repayment” is its catchphrase, and you won’t if you use the feature to pay your accounts automatically in the Westpac app. You can set up Autopay for your full closing balance, the minimum payment, a fixed amount or a percentage of the closing balance. Payments can be made from a Westpac or non-Westpac account.
Instant digital card access: Once your account is activated, you can use your new card instantly with Westpac’s Instant Digital Card. Your card can be added to Apple Pay, Google Pay and Samsung Pay.
Discounts and offers: You’ll get free membership with 2 retail-rewards programs.
- Westpac Extras, which sends personalised offers directly to your inbox so you can snag discounts and special offers from big brands every week.
- Westpac Lounge on ShopBack, which earns cashback when you shop with over 4000 major Australian brands including The Iconic, Amazon and eBay.
What’s not so great
First, the cashback offer isn’t available if you’ve held a Westpac credit card in the last 12 months. You can still apply, but you won’t get the cashback feature.
And, having to spend $5000 per year to get the waived annual fee means it’s not the best option for an emergency card that you don’t plan on using often.
Who suits the Westpac Low Fee credit card?
This card requires a low minimum income, which means it could be a good fit for a first-time card, if you have a lower income or you’re after low costs. To get the best value, you’d need to be able to spend at least $5000 per year to avoid annual fees.
User reviews
Rates and fees
Interest rates
Purchase rate 20.99% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $500
Maximum credit limit $50,000
Fees & repayments
Annual fee $30 p.a.
Additional cardholder fee $0 p.a.
Foreign transaction fee 3%
Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)
Annual fee the first year $0
Cash advance fee 3%
Late payment fee $15
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Fraud Protection
Overview
Westpac Low Fee Credit Card
Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.
Mastercard is a registered trademark, and the circles design and tap & go are trademarks of Mastercard International Incorporated.
Key features
- $0 annual card fee in the first year. And no annual fee every year after when you apply and are approved for a new card and meet the $5,000 annual spend requirement
- Up to 55 days interest free
- Access to SmartPlan which helps you structure your credit card repayments by breaking them down into regular monthly instalments
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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Australian citizen or permanent resident; Or a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
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Minimum income of $30,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question19 questions (showing the latest 10 Q&As)
Hi Pauline, I think I understand the pros of this Low Fee Westpac Credit Card but not sure how it all works with my situation. I was able to clear all credit/debt 2-3 years ago and haven't had a credit card or loan since. I've been through several operations and managed to do so without obtaining credit. My teeth are the only hurdle and I now need a fair bit of week from the damage. That is all I need the card for - dentist procedures. I have no balance transfer and only wish for the card as long as it takes to get new teeth. Is this option I should be looking for, please?
Hi Jo-Ann, so sorry to hear about all your troubles! It does sound like you want a very low-fee card, which is exactly what the Westpac Low Fee is. You’d need to make sure you are going to meet the criteria to get the cashback (spend $1000 on the card each month for 4 months). You’ll still pay interest on your transactions and unfortunately this card has a high interest rate. You could also research the Bankwest Zero Platinum, which doesn’t charge any interest on purchases for 6 months and has no annual fee. Run the numbers and see whether the cashback or the interest-free would work out better for you, and which cards you’re eligible for. If cashback sounds good, there are a few other options here that might fit the bill as well. All the best Jo-Ann, I hope you get everything sorted!
I am trying to find my pin or change pin on my mastercard
Hi Lucian, unfortunately, balance transfers are not allowed on the Westpac Altitude Black card. Regarding your second question, the interest rate on balance transfers can vary depending on the card issuer and the specific offer. It's important to check the terms and conditions of each card before proceeding. If you're interested in learning more about balance transfer rules and exploring other balance transfer credit cards, I recommend checking out our blog post on key rules about balance transfers. Additionally, you can browse through our selection of other balance transfer credit cards here.
I don't understand what are the conditions to get 15 months interest free period? The page name/question and answers calls for 15 months but no where on the page it says interest free per is 15 months.
HI Shivan, I believe you’re referring to the previous promotion from Westpac Low Fee card, which provided a 15-month period of zero interest on purchases. Unfortunately, that offer has already expired, and the purchase rate is now back to its variable rate of 19.74% p.a. with no annual fee for the first year. Alternatively, you can explore other credit card options such as the Virgin Money No Annual Fee card and the Citi Rewards Card - Purchases and Balance Transfer offer which offer the 0% p.a. promotional interest offer.
Why is your website so difficult to see? You have light grey writing on a white screen. It is extremely difficult to read anything on your site and it gives me a headache.
Hi Fletch, we’re big advocates of accessibility, so thank you. We really appreciate your feedback and have passed it onto our design team who will investigate.
Hello Roland, Is government fees/visa fees constituted as a purchase?
Hi Osama, while it doesn't specify for this Low Fee Credit Card specifically. For other Westpac cards, eligible purchases exclude: interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. I hope that helps.
so if i was to not make a purchase in the 15 months is there any other costs? and what about future cancelations? is there a minimum time period to have the card
Hi Chloe, If you were to not make a purchase in the first 15 months, you would have to pay the annual card fee of $30. In order to be eligible for the $0 annual fee, you have to spend at least $5,000 over the course of the year. In terms of cancelling this card, or any credit card, there is no minimum amount of time you must have it before cancelling. Please keep in mind, however, that each time you apply for a credit card it leaves a mark on your credit file and having too many enquiries could hurt your chances of being approved for a card or loan in the future.
I have had for many years, a No Fee Credit Card. As aged pensioners we only use this card for on line purchasers. Cash is deposited to this account when needed to cover costs. At no time do we use the credit. It is inconvenient for us to have to notify our 8 regular purchasers, having only recently received an updated card. Is it possible for us to retain the card we have. Thank you.
Hi Gerry, if the account is still active. Then you should have no problem using it. If you are close to a branch. Pop in and see customer service for any assistance.
Just to clarify, if I make a purchase for let’s say $5000 soon after I get this card, I won’t have to pay any interest on this purchase for 15 months from the moment the card is activated....did I understand this correctly?
Hi Alessandro, you wont pay interest on purchases until post the 15 months from card approval. Any purchase balance that remains at that time. Will switch over to the current purchase rate. So you need to ensure you pay your balance off in full or look to a balance transfer at that time.
Roland gdmorning &thx u for ur time replying on my question
How quick will I get the credit card ,will I be able to activate it online and used straight awY ?
Hi Mouhamad, you will need to physically get the card. Then activate it, before you can use it. It typically will take 5-10 business days to process and receive.
Is there rewards points on purchases? Is there any fees for additional card holders?
Hi Mary, no rewards points earning with this card. There is no fee for an additional card holder.
Can you email me an application form please to fill out thank you Anna Mitchell.
Hi Anna, you will need to contact Westpac directly in regards to this. https://www.westpac.com.au/personal-banking/credit-cards/low-fee/55-day/. The fastest way to be approved is to apply online directly through the Westpac site.
How do I apply on line for this credit card thank you Anna Mitchell.
Hi Anna, you can apply for this card directly on the Westpac site. https://www.westpac.com.au/personal-banking/credit-cards/low-fee/55-day/
Good morning.my credit history has not been great but I'm looking into getting a credit card.I've been working now for two years and would like to achieve a better rating.what are my chances of getting a credit card
Hi Stephanie, without good credit it is difficult to be approved for a credit card in Australia. What I would do is speak to your everyday bank where your pay is deposited. See if they can offer you a card with a small balance as a starting point. Then you can grow from there.
Am i able to apply for a card ?, if so where do i go for aplication form.
H Patrick, if you meet the minimum requirements then you can apply such as minimum income and having good credit. You can apply directly on the Westpac site - https://info.westpac.com.au/creditcards/55day/
What is the maximum balance transfer amout.
Hi Allan - it all relates to your credit limit your are approved for. This product has a minimum limit of $1,000 and a maximum of $30,000. You will be assigned a credit limit based on your personal history / income less expenses. If you are looking for a balance transfer from Westpac, may I suggest the Westpac Low Rate product which has 0% for 16 months on the balance transfer. If you are looking for a no annual fee balance transfer, then check out our no annual fee section. If you are keen on this Westpac 55 day product, word on the street is that this product offer is being updated next week which a much stronger balance transfer, therefore check back on the site next Thursday.
Does this allow an additional card holder i.e. spouse?
Hey Amy, you can add one additional cardholder (16 years or older) at no extra cost on this 55 day credit card
can a age pensioner apply for this card
Hi Greg, if you meet the general application criteria as listed on the right side of this page and that you have a reasonable debt-to-assets ratio, you can apply for this credit card. However, Westpac may have varying lending criteria for pensioner applications. Check out our page on credit cards for pensioners for a breakdown on what the big banks will generally require on pensioner credit card applications.
How long after i get this westpac 55day classic cc can i increase my credit limit?
Hi Stephen, there's no 'hard and fast' rule around this, but if you opt in to receive credit limit requests (you can do so in online banking or by contacting the bank) you will automatically receive reminders on a regular basis. It is a good idea to consider all your options before increasing your credit limit, so if necessary seek financial advice first or talk to other lenders. Hope that helps.
Raydan S Gallar
18 May 2023My overall rating 90%
Recommends this cardQuietly_Satisfied
3 June 2020Have had this type of Westpac card for many years. One thing is that Westpac do not keep you notified of the running year to date total of the amount you have spent on your card. Thus you are never sure where you are with respect to meeting the $5000 amount on time.
Recommends this cardCreditcard.com.au Visitor
28 January 20130% on purchases 5 months. If you want to do the balance transfer thing make sure you know if you don’t pay it off it will go to the cash advance rate which is pretty high. Low annual fee. Good card.
Recommends this card