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Westpac Low Fee Credit Card
Westpac Low Fee Credit Card

Westpac Credit Cards

Westpac Low Fee Credit Card

Updated 12 November 2020

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. Other standard features include up to 55 days interest free on purchases and the convenience of Tap & goTM using your Mastercard®.

T&Cs apply. Offer ends 31 March 2021

Purchase Rate (p.a)

0% p.a.

for 15 months. Reverts to 20.09% p.a.

Balance Transfer (p.a)

0% for 6 months No balance transfer fee.
Reverts to 21.49% p.a.

Annual Fee (p.a)

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

$0 over 6 months

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.
  • 0% p.a. on purchases for 15 months. Reverts to standard purchase rate of 20.09% p.a.
  • 0% p.a. for 6 months on balance transfers requested at card application. No balance transfer fee.

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

Editor Review

Westpac Low Fee Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of about this card.

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...

Giving you the opportunity to save big on interest, the Westpac Low Fee Credit Card is currently offering 0% p.a. on purchases for up to 15 months. All you have to do to take advantage of this offer is apply and be approved by 31 March 2021.

If you need to transfer debt over it comes with 0% p.a. for 6 months on balance transfers requested at card application. You can transfer a minimum of $200 up to a maximum of 80% of your approved credit limit. While this offer gives you a good time to pay down your transferred balance, be aware that anything left unpaid at the end of the 6 month period will revert to the card’s cash advance rate.

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…

As mentioned previously, if you are unable to clear the transferred balance within 6 months, the remaining amount will accrue interest at the higher cash advance rate.

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 5 user reviews )

83% rating based on 5 reviews

Customer Service


3 June 2020

Have 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 card
72% 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.

Introductory purchase rate 0% p.a. for 15 months

Cash advance rate 21.49% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 6 months

Balance transfer revert rate 21.49% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Banks you can't balance transfer from Westpac

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

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


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.

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.
  • 0% p.a. on purchases for 15 months. Reverts to standard purchase rate of 20.09% p.a.
  • 0% p.a. for 6 months on balance transfers requested at card application. No balance transfer fee.
  • 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 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.

12 questions (showing the latest 10 Q&As)



25 September 2020
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?
    Roland B Bleyer - Founder


    28 September 2020
    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.


13 May 2020
Roland gdmorning &thx u for ur time replying on my question
Mouhamad mrad

Mouhamad mrad

12 May 2020
How quick will I get the credit card ,will I be able to activate it online and used straight awY ?
    Roland B Bleyer - Founder


    13 May 2020
    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.
Mary Louka

Mary Louka

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


    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 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 - Founder


    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.


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


    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 - Founder


    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


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


    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 - Founder


    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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