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: 18 February 2021.

binocular icon
What's hot
  • $0 annual fee (conditions apply) - ($30 per year after that)
  • 0% p.a. purchase rate for first 15 months (20.09% p.a. thereafter)
  • Up to 55 days interest free
What's not
  • 21.49% p.a. 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 (20.09% 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 fee for the first year ($30 per year after that), and in each subsequent year when you spend $5,000 or more on purchases.

key icon
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% p.a. 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% p.a.

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.

snapshot
Who is it good for

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

question icon
Any catches

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

Details

Rates and fees information correct as at 28 February 2021 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 year

  • $5,000.00

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $0.00

  • $0.00

  • $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

Thumbnail icon for 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.

See Westpac credit cards

Thumbnail icon for Westpac

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

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Thumbnail icon for Westpac

Westpac

Altitude Black

20.49% p.a.

No current offer

$250

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Bankwest

Bankwest

Zero Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for NAB

NAB

Qantas Rewards Signature Card

19.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$395 $295 in the first year

Qantas Frequent Flyer

Thumbnail icon for Bankwest

Bankwest

Breeze Mastercard

10.99% p.a.

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

$49 $0 in the first year

Thumbnail icon for St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Thumbnail icon for Citi

Citi

Simplicity Credit Card

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

0% p.a. for 6 months and then 22.24% p.a.

$0

Thumbnail icon for St.George

St.George

Amplify Signature

Amplify Rewards

$279 $139 in the first year

200,000

1.5 points uncapped

Thumbnail icon for American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points uncapped

Thumbnail icon for NAB

NAB

Qantas Rewards Signature Card

Qantas Frequent Flyer

$395 $295 in the first year

130,000

1 point up to $5,000/month, then
0.5 points up to $20,000/month

Thumbnail icon for BankSA

BankSA

Amplify Signature

Amplify Rewards

$279 $139 in the first year

200,000

1.5 points uncapped

Thumbnail icon for American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for NAB

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

Thumbnail icon for Bank of Melbourne

Bank of Melbourne

Amplify Platinum

Qantas Frequent Flyer

$99

70,000

0.5 points uncapped

Thumbnail icon for American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

11.99% p.a.

$45

Thumbnail icon for Bankwest

Bankwest

Breeze Mastercard

0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)

10.99% p.a.

$49 $0 in the first year

Thumbnail icon for St.George

St.George

Vertigo

0% p.a. for 24 months and then 21.49% p.a.

13.99% p.a.

$55 $0 in the first year

Thumbnail icon for Westpac

Westpac

Low Rate

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

13.74% p.a.

$59

Thumbnail icon for St.George

St.George

Amplify Platinum

0% p.a. for 22 months and then 21.49% p.a. (1.50% balance transfer fee)

0% p.a. for 7 months then 19.74% p.a.

$99 $0 in the first year

Amplify Rewards

Thumbnail icon for Citi

Citi

Rewards Credit Card

0% p.a. for 30 months and then 22.24% p.a.

21.49% p.a.

$149 $49 in the first year

Citi Rewards Program

Thumbnail icon for Bank of Melbourne

Bank of Melbourne

Amplify Platinum

0% p.a. for 15 months and then 21.49% p.a. (1.00% balance transfer fee)

19.74% p.a.

$99

Qantas Frequent Flyer

Thumbnail icon for St.George

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

Thumbnail icon for Bendigo Bank

Bendigo Bank

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Thumbnail icon for Defence Bank

Defence Bank

Foundation Credit Card

3.99% p.a. for 6 months then 8.99% p.a.

3.99% p.a. for 6 months and then 8.99% p.a.

$45

Thumbnail icon for St.George

St.George

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Thumbnail icon for ME

ME

frank Credit Card

11.99% p.a.

No current offer

$0

Thumbnail icon for NAB

NAB

StraightUp Card

0% p.a.

No current offer

$120 $10/month - waived if no spend & no balance owing

Thumbnail icon for Westpac

Westpac

Low Rate

13.74% p.a.

0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)

$59

Thumbnail icon for Bank of Melbourne

Bank of Melbourne

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year

Thumbnail icon for BankSA

BankSA

Vertigo

13.99% p.a.

0% p.a. for 24 months and then 21.49% p.a.

$55 $0 in the first year