- Limited-time offer: Get $240 cashback when you spend $3,500 or more on eligible purchases in the first 90 days from card approval.
- 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.
Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.
Westpac Credit Cards
Westpac Low Fee Credit Card
Updated 4 August 2026
Pay no annual fee in the first year, and keep it waived each year when you spend $5,000 or more on eligible purchases. Plus, get up to 55 days interest-free on purchases and added peace of mind with Mastercard security features.
Manage money easily with payment plans and autopay, and earn discounts and cashback through Westpac Lounge.
Also get $240 cashback when you spend $3,500 or more on eligible purchases in the first 90 days from card approval.
Terms and conditions apply.
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 does have a limited-time $240 cashback offer which 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:
Limited-time cashback: You can get $240 cashback when you spend $3,500 or more on eligible purchases in the first 90 days from card approval.
⚡ You must meet the spending criteria within 90 days from card approval to be eligible for the cashback offer.
$0 annual fee: The first year’s fee is automatically waived (making your $240 cashback an even bigger triumph). 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 N/A
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 3.5%
Late payment fee $20
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.
Also get $240 cashback when you spend $3,500 or more on eligible purchases in the first 90 days from card approval.
Terms and conditions apply.
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
- Get $240 cashback when you spend $3,500 or more on eligible purchases in the first 90 days from card approval
- 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
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian citizen or permanent resident; Or a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
-
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 question21 questions (showing the latest 10 Q&As)
Hi Matt! Yes you can add an additional cardholder to the Westpac Low Fee Credit Card at no extra cost. The additional cardholder just needs to be at least 16 years old. You can also find more information about the card's fees and features on this page. 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