Westpac Low Fee Platinum

0% p.a. for 9 months then 20.09% p.a.

No current offer

$90 $0 when you spend over $10,000 p.a, $0 in the first year

n/a

Westpac Low Fee Platinum

0% p.a. for 9 months then 20.09% p.a.

No current offer

$90 $0 when you spend over $10,000 p.a, $0 in the first year

n/a

Mozo Review   Westpac Low Fee Platinum Review

Last updated: 3 April 2019.

What's hot:
  • $0 annual fee (conditions apply)

  • 0% interest on purchases for first 9 months

  • 2018 Mozo Experts Choice Award winner

What's not:
  • High 21.29% cash advance rate

Mozo snapshot:

The 2018 Mozo Experts Choice Best Balance Transfer Platinum Credit Card winner, 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.  

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 the Knicks play at Madison Square Garden 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 19.84% 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 it's good for:

The Westpac Low Fee Platinum is a top card for anyone who pays off their balance in full each month.

Any catches?

The 19.84% purchase rate and 21.29% cash advance rate are both relatively steep, so try to avoid carrying a balance or hitting the ATM with your credit card in hand.

Details

Rates and fees information correct as at 23 September 2019 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.
Rates
  • 20.09% p.a.

  • 0% p.a. for 9 months

  • No current offer

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $90.00

  • $0 in the first 1 year

  • 10000

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Rewards privileges

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
6.8/10
Price
5.9/10
Features
6.0/10
Customer service
6.9/10
Convenience
7.6/10
Trust
7.0/10

Latest reviews of Westpac Low Fee Platinum

  • Overall
    6/10
    Good

    Very nice people working there, the staff at my local branch are so friendly!

    Very nice people working there, the staff at my local branch are so friendly!

    Price
    6/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    6/10
    Trust
    9/10

    Agavale | Victoria

    reviewed 10 months ago

  • Overall
    5/10
    I love my bank

    The bank I am with is very helpful from time to time and they have also helped me in rough times.

    The bank I am with is very helpful from time to time and they have also helped me in rough times.

    Price
    5/10
    Features
    5/10
    Customer service
    6/10
    Convenience
    5/10
    Trust
    5/10

    Tahleisha | New South Wales

    reviewed 12 months ago

  • Overall
    8/10
    Response to our needs is amazing

    All my family banking conducted with this institution and I am totally happy with customer service

    All my family banking conducted with this institution and I am totally happy with customer service

    Price
    5/10
    Features
    7/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Shane | South Australia

    reviewed over 1 year ago

  • Overall
    9/10
    Good Bank to deal with

    Westpac staff at our bank are great to deal with.

    Westpac staff at our bank are great to deal with.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    9/10
    Trust
    10/10

    John | Victoria

    reviewed over 1 year ago

  • Overall
    5/10
    Just a bank

    Don't like them but I doubt the others are any better

    Don't like them but I doubt the others are any better

    Price
    5/10
    Features
    2/10
    Customer service
    2/10
    Convenience
    8/10
    Trust
    2/10

    Andrew | Victoria

    reviewed over 1 year ago

Westpac

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.

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