Westpac
Low Fee Card
Westpac · cred and chrg cards
Provider last updated this product 2026-09-30.
Go to provider
You'll complete your application on
Westpac's website. Confirm the rate and fees with them
before applying.
A simple credit card with no annual card fee ($5k p.a. minimum spend applies) and up to 55 days interest?free on purchases.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 20.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on purchases Interest free days may apply | |||||||
| CASH ADVANCE | 21.99% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest on cash advances No Interest Free days | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Annual Card Fee | PERIODIC | $30 | - |
| Foreign Transaction Fee | TRANSACTION | 3.00% | Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash Advance Fee | CASH_ADVANCE | 3.50% | - |
| Missed Payment Fee | LATE_PAYMENT | $20 | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date. |
| Overlimit Fee | EVENT | $0 | $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. |
| Non-Westpac Group ATM fee | TRANSACTION | - | Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. |
| Credit Card Surcharge | PURCHASE | - | In some instances, businesses may administer a ?surcharge? for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you?re unsure. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 20.99% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.
- Minimum repayments : 2.5% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.
- You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.
- Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.
- Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.
- Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.
- Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.
- Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.
- Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.
Instalment plan
- Instalments - 4 instalments
- Purchase size - from $100
- Instalment limit - $50,000
Who can apply
- min age - 1818+ years old
- residency status - Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- min income - 30000.00Earn a minimum $30,000 per annum
- otherCustomer having a regular, verifiable Australian taxable income.
- otherCustomer having a fixed, verifiable residential address in Australia.
Limits
- min limit - 500.00
- max limit - 50000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T00:47:10Z · Product ID: CCLowFee