Low Fee Platinum card image

Westpac Low Fee Platinum

Advertiser disclosure
Purchase rate
20.09% p.a.
Balance transfer rate
No current offer
Annual fees
$90 $0 when you spend over $10,000 p.a, $0 in the first year
Interest free days on purchases

Mozo editorial review Westpac Low Fee Platinum

Last updated: 18 February 2021.

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What's hot
  • $0 annual fee (conditions apply)
  • 0% interest on purchases for first 9 months
What's not
  • High 21.29% p.a. cash advance rate
Mozo snapshot

The Westpac Low Fee Platinum Card is definitely worth a look. Why? Firstly, there's the $0 first year annual fee which is also waived in subsequent years when you spend at least $10,000 on purchases in the previous year. Plus, for no extra cost you get top benefits including complimentary worldwide platinum concierge service, overseas travel insurance, extended warranty and purchase security insurance.

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Key features

Some of the platinum perks you get with the card include a worldwide concierge service open 24/7, so if you find yourself in New York wanting tickets to see a show at Madison Square Garden, just give a quick call to your personal assistant and voila!

And then there are the complimentary insurances. With the overseas travel insurance you, your spouse and dependents will be covered for trips up to 6 months as long as you have a return air ticket and $500 of each of your prepaid travel costs have been paid using your Low Fee Platinum Card. There are some limits to the coverage provided so be sure to read the policy before you take off to ensure you have the coverage you need for your holiday or business trip. 

You will also get purchase security insurance (4 months cover against loss, theft or damage for new items purchased with your Low Free Platinum card) and extended warranty insurance which provides an extended 24 month cover in addition to the manufacturers expressed Australian warranty. 

The purchase rate of the Westpac Low Fee Platinum Card is 20.09% p.a. but if you pay off your balance in full each month you can get up to 55 interest free days. Plus, for the first 9 months of having this card, you'll pay 0% interest on your purchases.

The Westpac Low Fee Platinum card comes with Visa payWave technology so you can tap and go for purchases under $100 and use your card anywhere in the world where Visa is accepted. There is a 3% foreign exchange margin for overseas purchases so be sure to factor this in with your shopping budget.

Who is it good for

The Westpac Low Fee Platinum could be a top card option for Aussies who can stay on top of paying off their balance in full each month.

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Any catches

The 20.09% p.a. purchase rate and 21.29% p.a. cash advance rate are both relatively steep, so try to avoid carrying a balance or hitting the ATM with your credit card in hand.


Rates and fees information correct as at 14 June 2021 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
  • 20.09% p.a.

  • none

  • No current offer

  • yes

  • 21.49% p.a.

  • 55

  • $90.00

  • $0 in the first year

  • $10,000.00

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $0.00

  • $0.00

  • $0.00

  • $10.00

  • 2.0

  • 1

  • none

Payment options

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay

Rewards privileges

Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Customer service

Latest reviews of Westpac Low Fee Platinum

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About Westpac

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

See Westpac credit cards