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Westpac Low Fee Platinum

Purchase rate
0% p.a. for 9 months then 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
55

Mozo editorial review Westpac Low Fee Platinum

Last updated: 17 October 2019.

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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% 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 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.


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Who is it good for

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

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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 26 September 2020 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

  • $10,000.00

  • 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

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?

Overall
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
    They're OK, we can use the post office for banking

    They were good when my card had been hacked. They were onto it and block the card straight away.

    Read full review

    They were good when my card had been hacked. They were onto it and block the card straight away.

    Price
    3/10
    Features
    1/10
    Customer service
    8/10
    Convenience
    5/10
    Trust
    6/10
    Less
    Allison, Queensland reviewed 4 months ago
  • Overall 10/10
    Very happy.

    Great customer service and always local.

    Read full review

    Great customer service and always local.

    Price
    10/10
    Features
    10/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Steven, Victoria reviewed 10 months ago
  • Overall 10/10
    Great card.

    Westpac have been excellent with our credit card. It was hacked once and we had no dramas at all with them; all fixed. They also supplied free travel insurance with the credit card which has helped us save a bundle.

    Read full review

    Westpac have been excellent with our credit card. It was hacked once and we had no dramas at all with them; all fixed. They also supplied free travel insurance with the credit card which has helped us save a bundle.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Desley, Queensland reviewed 11 months ago
  • Overall 6/10
    Good

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

    Read full review

    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
    Less
    Agavale, Victoria reviewed almost 2 years 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.

    Read full review

    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
    Less
    Tahleisha, New South Wales reviewed almost 2 years 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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