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Westpac Low Fee

Purchase rate
0% p.a. for 15 months then 20.09% p.a.
Balance transfer rate
0% p.a. for 6 months and then 21.49% p.a.
Annual fees
$30 $0 when you spend over $5,000 p.a, $0 in the first year
Interest free days on purchases
55

Mozo editorial review Westpac Low Fee

Last updated: 6 August 2020.

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What's hot
  • $0 annual fee (conditions apply)
  • 0% purchase rate for 15 months
  • Up to 55 days interest free
What's not
  • 21.29% cash advance rate
Mozo snapshot

Looking for a classic credit card to help you ditch debt? With an enticing 0% introductory purchase rate for 15 months the Westpac Low Fee Credit Card could have you sorted. Better yet, you’ll keep the costs down with the $0 annual fee for the first year, and in each subsequent year when you spend $5,000 or more on purchases.

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Key features

The Low Fee Credit Card is ideal for cardholders who are wanting to avoid debt, with up to 55 interest free days on your purchases when you pay off your balance in full by the due date. Just make sure you keep track of your payments, otherwise you’ll be stung by the 20.09% purchase rate and the $15 late payment fee. 

If you’re wanting to take advantage of the card’s lengthy 0% introductory interest rate to make some big purchases, be sure to pay if off before the 15 month introductory period ends, as the rate reverts back to 20.09%.

The Westpac Low Fee Credit Card has a $0 introductory annual fee for anyone in the first year, and a low $30 fee for future years. You’ll even be able to avoid an annual fee altogether after the first year if you spend more than $5,000 on purchases each year. 

As part of the Mastercard network you’ll be able to use your card all over the world, while Mastercard Tap & go means you can use your card to tap-and-go for in-store purchases under $100. If you do choose to travel with your card, just watch out for the 3% foreign exchange margin.

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Who is it good for

The Westpac Low Fee Credit Card is great for anyone looking for a low cost credit card with a great introductory purchase rate.

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Any catches

Just avoid the temptation to withdraw cash with your card, because you’ll be hit by the 21.29% cash advance rate.

Details

Rates and fees information correct as at 30 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 15 months

  • 0% p.a. for 6 months and then 21.49% p.a.

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $30.00

  • $0 in the first 1 year

  • $5,000.00

  • 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

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

  • Overall 1/10
    Very poor customer service.

    Customer service very poor. Applied for credit card four weeks ago. Followed up 13 days later, provided all requested information and promised a response within three days. Another week passed and no response. Followed up two days ago and promised a response for today however still nothing.

    Read full review

    Customer service very poor. Applied for credit card four weeks ago. Followed up 13 days later, provided all requested information and promised a response within three days. Another week passed and no response. Followed up two days ago and promised a response for today however still nothing.

    Price
    -1/10
    Features
    -1/10
    Customer service
    1/10
    Convenience
    -1/10
    Trust
    1/10
    Less
    Marian, Western Australia reviewed 26 days ago
  • Overall 7/10
    Best service, friendly staff.

    I have been with Westpac for 25 years, I have no reason to change.

    Read full review

    I have been with Westpac for 25 years, I have no reason to change.

    Price
    8/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    -1/10
    Less
    Bob, Queensland reviewed about 1 month ago
  • Overall 8/10
    Great customer service

    It was simple and easy to get the Low Rate Credit Card. The staff seemed knowledgeable about their products as well as friendly and helpful when I had to go into the branch.

    Read full review

    It was simple and easy to get the Low Rate Credit Card. The staff seemed knowledgeable about their products as well as friendly and helpful when I had to go into the branch.

    Price
    9/10
    Features
    7/10
    Customer service
    9/10
    Convenience
    10/10
    Trust
    7/10
    Less
    Kellie, Queensland reviewed about 2 months ago
  • Overall 7/10
    Good customer service

    Handy.

    Price
    7/10
    Features
    7/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    7/10
    Less
    Charles, New South Wales reviewed 5 months ago
  • Overall 8/10
    Great customer service.

    They have always been reliable and also given great assistance when problems have arisen.

    Read full review

    They have always been reliable and also given great assistance when problems have arisen.

    Price
    8/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Harvey, Victoria reviewed 7 months 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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