Low Fee credit card

Key facts

Annual fee

A$30

Purchase APR

20.99% p.a.

Foreign transaction fee

3%

Network

MASTERCARD

Benefits and perks

• $0. first year card fee
• $30. Annual card fee (or $0 with $5K p.a. spend)
• Split your purchases. over $100 into 4 payments over 6 weeks with the PartPay feature on your credit card
• Low (or no) annual card fees. No annual card fee (as long as you make a minimum spend of $5k each year) can help cut costs – as long as you pay off your purchases by the due date each month to avoid the higher interest rates.
• Cashback and discounts. With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.​
• We got your back. Use the Dynamic CVC on your digital card. The 3-digit number changes every 24 hours for added fraud protection.
• Australia’s Best Banking App. Manage your credit card in the Westpac App, with features to help you budget, save and stay on top of your finances.
• Up to 55 days interest free on purchases when you pay your closing balance in full.
• Minimum income required: $30,000 p.a.

Questions about the Low Fee credit card