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Westpac Low Fee credit card

4 reviews

Apply by 26 June 2019

Purchase rate

20.09% p.a.

Balance transfer

N/A

Annual fee

$0 first year
0% Complete (success)
then $30

Pros

$0 Annual card fee in the first year

Low standard annual fee of $30 p.a.

No annual fee every year after when you spend $5,000 or more on purchases each year.

Cons

High standard purchase rate of 20.09% p.a.

Westpac Low Fee credit card

The Westpac Low Fee credit card gives you $0 annual fee in the first year. And no annual fee every year after, when you spend $5,000 or more on purchases each year. Low annual card fee of $30 p.a. This is pulled down by its high interest rate on purchases 20.09% p.a. which is what you would expect on a good rewards credit card. Other standard features of the Westpac Low Fee card include up to 55 days interest free on purchases and the convenience of Tap & goTM using your Mastercard®. Offer ends 26 June 2019.

Key features

  • $0 Annual card Fee in the first year. And no annual fee every year after, when you spend $5,000 or more on purchases each year.
  • Purchase rate of 20.09% p.a.
  • 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
100% of customers who have rated this card would recommend it
  • Rates
    58%
  • Fees
    90%
  • Rewards
    N/A
  • Customer Service
    87%
  • Value
    79%
Overall user rating 79%
4 reviews

72% Visitor

0% 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

Interest Rates
Purchase rate 20.09% p.a.
Cash advance rate 21.49% p.a.
Interest free on purchases up to 55 days
Balance Transfer
Credit limits
Minimum credit limit $500
Maximum credit limit $30,000
Fees & repayments
Annual fee $30 p.a.
Annual fee first year $0
Additional cardholder fee $0 p.a.
Cash advance fee 2%
Foreign transaction fee 3%
Minimum repayment 2%
Late payment fee $15
Credit card type Mastercard
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

The Westpac Low Fee Credit Card

Marketing itself on the fact that it offers up to 55 days interest free on purchases, the Westpac Low Fee Credit Card is a basic credit card with one very enticing introductory offer. New cardholders benefit from $0 annual fee for the first year.

What we love...

If you are unsure of your ability to keep to a repayment schedule, Westpac’s SmartPlan tool may be able to help. With SmartPlan, you can apply a manageable repayment plan to your balance transfer (or any outstanding purchase or cash advance), which could make it easier for you to pay off your credit card balance within a set period of time.

SmartPlan could be a great option for paying down a balance transfer, but it may also be useful if you purchase a big ticket item on your Westpac Low Fee Credit Card. You can start and stop the SmartPlan whenever you need, and you can use SmartPlan to track and manage as many as eight separate credit card balances or large purchases at once.

What’s not so great…

In general, the Westpac Low Fee Credit Card has a relatively high rate of interest on purchases and cash advances.

Why should you choose this card?

As a new cardholder, you will pay no annual fee in the first year. In following years, the card’s standard annual fee will be waived, as long as you spend $5,000 on the card within that 12 month period. The card also offers basic features, like the ability to lock your card if you misplace it, to set up auto-payments, and to use a Mobile Wallet and leave your card at home.

Overall Rating

Providing all the basic features you need on a simple, no frills credit card, the Westpac Low Fee Credit Card’s big incentive is its offering of $0 annual fee for the first year.

9 questions (showing the latest 10 Q&As)

Mary Louka

Mary Louka

12 February 2018
Is there rewards points on purchases? Is there any fees for additional card holders?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 February 2018
    Hi Mary, no rewards points earning with this card. There is no fee for an additional card holder.
Anna Mitchell

Anna Mitchell

17 January 2017
Can you email me an application form please to fill out thank you Anna Mitchell.
Anna Mitchell

Anna Mitchell

16 January 2017
How do I apply on line for this credit card thank you Anna Mitchell.
Stephanie Joanne garnaut

Stephanie Joanne garnaut

16 January 2017
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2017
    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.
Patrick Mcneill

Patrick Mcneill

30 December 2016
Am i able to apply for a card ?, if so where do i go for aplication form.
Allan

Allan

27 May 2015
What is the maximum balance transfer amout.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2015
    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.
Amy Forbes

Amy Forbes

30 March 2014
Does this allow an additional card holder i.e. spouse?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 March 2014
    Hey Amy, you can add one additional cardholder (16 years or older) at no extra cost on this 55 day credit card
greg

greg

11 March 2014
can a age pensioner apply for this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 March 2014
    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.
stephen whale

stephen whale

15 June 2013
How long after i get this westpac 55day classic cc can i increase my credit limit?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 June 2013
    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.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • Minimum income of $15,000 p.a.
  • You have your personal details ready to complete the online application
Westpac Low Fee credit card
Westpac Low Fee credit card

Westpac Low Fee credit card

Updated 1 May 2019

Apply by 26 June 2019

Purchase Rate (p.a)

20.09%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0 first year. Then $30 p.a.

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • $0 Annual card fee in the first year
  • Low standard annual fee of $30 p.a.
  • No annual fee every year after when you spend $5,000 or more on purchases each year.

  • High standard purchase rate of 20.09% p.a.

Creditcard.com.au review

Editor Review

The Westpac Low Fee Credit Card

Marketing itself on the fact that it offers up to 55 days interest free on purchases, the Westpac Low Fee Credit Card is a basic credit card with one very enticing introductory offer. New cardholders benefit from $0 annual fee for the first year.

What we love...

If you are unsure of your ability to keep to a repayment schedule, Westpac’s SmartPlan tool may be able to help. With SmartPlan, you can apply a manageable repayment plan to your balance transfer (or any outstanding purchase or cash advance), which could make it easier for you to pay off your credit card balance within a set period of time.

SmartPlan could be a great option for paying down a balance transfer, but it may also be useful if you purchase a big ticket item on your Westpac Low Fee Credit Card. You can start and stop the SmartPlan whenever you need, and you can use SmartPlan to track and manage as many as eight separate credit card balances or large purchases at once.

What’s not so great…

In general, the Westpac Low Fee Credit Card has a relatively high rate of interest on purchases and cash advances.

Why should you choose this card?

As a new cardholder, you will pay no annual fee in the first year. In following years, the card’s standard annual fee will be waived, as long as you spend $5,000 on the card within that 12 month period. The card also offers basic features, like the ability to lock your card if you misplace it, to set up auto-payments, and to use a Mobile Wallet and leave your card at home.

Overall Rating

Providing all the basic features you need on a simple, no frills credit card, the Westpac Low Fee Credit Card’s big incentive is its offering of $0 annual fee for the first year.

User reviews

Westpac Low Fee credit card ( based on 4 Creditcard.com.au user reviews )

79% rating based on 4 reviews

Rates
Fees
Rewards
Customer Service
Value
72%

CreditCard.com.au Visitor

28 January 2013

0% 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

Rates and fees

Interest rates

Purchase rate 20.09% p.a.

Cash advance rate 21.49% p.a.

Interest free on purchases up to 55 days

Credit limits

Minimum credit limt $500

Maximum credit limit $30,000

Fees & repayments

Annual fee $30 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 3%

Minimum repayment 2%

Annual fee the first year $0

Cash advance fee 2%

Late payment fee $15

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Overview

Westpac Low Fee credit card

The Westpac Low Fee credit card gives you $0 annual fee in the first year. And no annual fee every year after, when you spend $5,000 or more on purchases each year. Low annual card fee of $30 p.a. This is pulled down by its high interest rate on purchases 20.09% p.a. which is what you would expect on a good rewards credit card. Other standard features of the Westpac Low Fee card include up to 55 days interest free on purchases and the convenience of Tap & goTM using your Mastercard®. Offer ends 26 June 2019.

Key features

  • $0 Annual card Fee in the first year. And no annual fee every year after, when you spend $5,000 or more on purchases each year.
  • Purchase rate of 20.09% p.a.
  • 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

  • Resident or citizen of Australia. Temporary residents are eligible.

  • Minimum income of $15,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

9 questions (showing the latest 10 Q&As)

Mary Louka

Mary Louka

12 February 2018
Is there rewards points on purchases? Is there any fees for additional card holders?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 February 2018
    Hi Mary, no rewards points earning with this card. There is no fee for an additional card holder.
Anna Mitchell

Anna Mitchell

17 January 2017
Can you email me an application form please to fill out thank you Anna Mitchell.
Anna Mitchell

Anna Mitchell

16 January 2017
How do I apply on line for this credit card thank you Anna Mitchell.
Stephanie Joanne garnaut

Stephanie Joanne garnaut

16 January 2017
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
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 January 2017
    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.
Patrick Mcneill

Patrick Mcneill

30 December 2016
Am i able to apply for a card ?, if so where do i go for aplication form.
Allan

Allan

27 May 2015
What is the maximum balance transfer amout.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    27 May 2015
    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.
Amy Forbes

Amy Forbes

30 March 2014
Does this allow an additional card holder i.e. spouse?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 March 2014
    Hey Amy, you can add one additional cardholder (16 years or older) at no extra cost on this 55 day credit card
greg

greg

11 March 2014
can a age pensioner apply for this card
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    12 March 2014
    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.
stephen whale

stephen whale

15 June 2013
How long after i get this westpac 55day classic cc can i increase my credit limit?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 June 2013
    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.

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