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.
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.
The Westpac Low Fee Credit Card is great for anyone looking for a low cost credit card with a great introductory purchase rate.
Just avoid the temptation to withdraw cash with your card, because you’ll be hit by the 21.29% cash advance rate.
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
$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
$10.00
2.0
1
none
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
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 reviewCustomer 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.
I have been with Westpac for 25 years, I have no reason to change.
Read full reviewI have been with Westpac for 25 years, I have no reason to change.
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 reviewIt 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.
Handy.
Read full reviewThey have always been reliable and also given great assistance when problems have arisen.
Read full reviewThey have always been reliable and also given great assistance when problems have arisen.
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.
Promoted
Westpac
Altitude Platinum
20.49% p.a.
0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)
$150 $99 in the first year
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
17.99% p.a.
2.99% p.a. for 9 months and then 17.99% p.a.
$0
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
American Express
Qantas Discovery Card
20.74% p.a.
No current offer
$0
Qantas Frequent Flyer
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
St.George
No Annual Fee
20.74% p.a.
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
$0
Promoted
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
American Express
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Promoted
St.George
Amplify Platinum
Qantas Frequent Flyer
$99
60,000
0.5 points uncapped
Promoted
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $99 in the first year
60,000
0.5 points uncapped
Promoted
NAB
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250
30,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Promoted
Westpac
Altitude Black
Altitude Rewards
$250
150,000
1.25 points uncapped
Promoted
American Express
Qantas Ultimate Card
Qantas Frequent Flyer
$450
55,000
1.25 points uncapped
Promoted
Bankwest
More Platinum Mastercard
Bankwest More Rewards
$160
75,000
2 points up to 400,000 points/year
Promoted
St.George
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
Bankwest
Zero Platinum Mastercard
2.99% p.a. for 9 months and then 17.99% p.a.
17.99% p.a.
$0
Promoted
Westpac
Low Rate
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
0% p.a. for 7 months then 13.99% p.a.
$55 $0 in the first year
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months and then 22.24% p.a.
0.90% p.a. for 15 months then 14.99% p.a.
$99
Promoted
NAB
Low Rate Card
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Promoted
St.George
No Annual Fee
0% p.a. for 12 months and then 21.49% p.a. (1.00% balance transfer fee)
20.74% p.a.
$0
Promoted
St.George
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Westpac
Low Rate
13.74% p.a.
0% p.a. for 20 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
Promoted
Citi
Clear Credit Card
0.90% p.a. for 15 months then 14.99% p.a.
0.90% p.a. for 15 months and then 22.24% p.a.
$99
Promoted
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Promoted
Bank of Melbourne
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
Promoted
Bankwest
Breeze Mastercard
0% p.a. for 15 months then 10.99% p.a.
2.99% p.a. for 9 months and then 10.99% p.a. (0% balance transfer fee)
$49
Promoted
St.George
Vertigo Platinum
0% p.a. for 15 months then 12.99% p.a.
6.99% p.a. for 12 months and then 21.49% p.a.
$99 $49 in the first year
Promoted
BankSA
Vertigo
0% p.a. for 7 months then 13.99% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)
$55 $0 in the first year
