Looking for a classic credit card to help you ditch debt? With an enticing 0% introductory purchase rate for 15 months (19.74% p.a. thereafter), the Westpac Low Fee Credit Card could have you sorted. Better yet, you’ll keep the costs down with the $0 annual card fee for the first year, and in each subsequent year when you spend $5,000 or more on purchases (if you do not, a $30 annual fee will apply).
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 19.74% p.a. purchase rate and the $15 late payment charge.
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 19.74% p.a.
The Westpac Low Fee Credit Card has a $0 introductory annual card fee for anyone in the first year, and a low $30 fee for future years - which is waived 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 could be great for anyone looking for a low cost credit card.
Just avoid the temptation to withdraw cash with your card, because you’ll be hit by the 21.49% p.a. cash advance rate.
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19.74% p.a. |
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none |
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No current offer |
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yes |
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21.49% p.a. |
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55 |
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$30.00 |
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$0 in the first year |
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$5,000.00 |
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none |
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$15.00 |
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3% |
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3.00% |
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$0.00 |
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$0.00 |
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$0.00 |
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$10.00 |
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2.0 |
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1 |
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none |
Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay
PartPay available.
We have had a credit card for years with Westpac due to no annual fee. But I do feel as a secondary person the card a second rate citize . My husband is primary holder. Due to a printed statement coming here he opened it and I got into trouble for a astrology service (understandable)When I tried after this incident I got online information that I cannot authorise estatement as I am secondary holder. Also online chat non existent. Tried to contact customer service well thats like trying to contact god. I think Westpac going backwards. A few years ago Customer service was top I felt looked after now bottom of the pile. I wonder why still with them.
Read full reviewWe have had a credit card for years with Westpac due to no annual fee. But I do feel as a secondary person the card a second rate citize . My husband is primary holder. Due to a printed statement coming here he opened it and I got into trouble for a astrology service (understandable)When I tried after this incident I got online information that I cannot authorise estatement as I am secondary holder. Also online chat non existent. Tried to contact customer service well thats like trying to contact god. I think Westpac going backwards. A few years ago Customer service was top I felt looked after now bottom of the pile. I wonder why still with them.
I have used the Low Fee Platinum card for many years (sometimes under different names) and in the past was quite happy. However - they recently changed the complementary travel insurance to exclude ALL Covid events which makes it useless. But the problem came when I needed to change the bank account I use for Auto-pay. I needed to download and print a form and then take it into my nearest bank - which maybe OK for some but not me. (My other card - Latitude) let me do this over the phone. I spent a while on their help chat and the helpful guy could offer no solution. So I will not use the card in future.
Read full reviewI have used the Low Fee Platinum card for many years (sometimes under different names) and in the past was quite happy. However - they recently changed the complementary travel insurance to exclude ALL Covid events which makes it useless. But the problem came when I needed to change the bank account I use for Auto-pay. I needed to download and print a form and then take it into my nearest bank - which maybe OK for some but not me. (My other card - Latitude) let me do this over the phone. I spent a while on their help chat and the helpful guy could offer no solution. So I will not use the card in future.
Always the last to drop interest rates. Disappointing.
Read full reviewAlways the last to drop interest rates. Disappointing.
Westpac has been convenient for me. The staff are helpful and friendly you can always find an ATM machine. I have been with them for 30 years and never had a problem. It would be great if they had a good rewards program as there is no incentive to use your card. If they had a point system you would be more inclined to use your card more. Should be something for customers for their loyalty after twenty years of use.
Read full reviewWestpac has been convenient for me. The staff are helpful and friendly you can always find an ATM machine. I have been with them for 30 years and never had a problem. It would be great if they had a good rewards program as there is no incentive to use your card. If they had a point system you would be more inclined to use your card more. Should be something for customers for their loyalty after twenty years of use.
Always get good service if and when needed.
Read full reviewAlways get good service if and when needed.
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card
23.99% p.a.
No current offer
$395
Membership Rewards
Velocity Platinum Card
23.99% p.a.
No current offer
$375
Velocity Frequent Flyer
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Velocity Escape Card
23.99% p.a.
No current offer
$0
Velocity Frequent Flyer
Qantas Ultimate Card
Qantas Frequent Flyer
$450
60,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
50,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
160,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
Blue Visa Credit Card
0% p.a. for 9 months then 20.74% p.a.
0% p.a. for 9 months and then 21.74% p.a.
$60
Flex Card
0% p.a.
No current offer
$120 $10 monthly fee waived if the outstanding balance on the previous statement is paid in full by the due date.
StraightUp Card
n/a
No current offer
$240 $20/month - waived if no spend & no balance owing
