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.
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.
The Westpac Low Fee Credit Card could be 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% p.a. 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 year | |
| $5,000.00 | |
| none | |
| $15.00 | |
| 2%, Min $2.50, Max $150 | |
| 3.00% | |
| $0.00 | |
| $0.00 | |
| $0.00 |
| $10.00 | |
| 2.0 | |
| 1 | |
| none |
Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay
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.
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.
Westpac
Altitude Platinum
20.49% p.a.
0% p.a. for 22 months and then 21.49% p.a. (1.00% balance transfer fee)
$150 $49 in the first year
Westpac
Low Rate
13.74% p.a.
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
$59 $0 in the first year
Westpac
Altitude Black
20.49% p.a.
0% p.a. for 18 months and then 21.49% p.a. (1.00% balance transfer fee)
$250
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
humm90
Mastercard
23.99% p.a.
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
$99
PayPal
Rewards Card
20.99% p.a.
0% p.a. for 20 months and then 20.99% p.a.
$0
PayPal Rewards
Great Southern Bank
Platinum Credit Card
19.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
St.George
Vertigo
13.99% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$55 $0 in the first year
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
Kogan Money
Black Card
Kogan Rewards Points
$0
No current offer
1 point uncapped
NAB
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
Velocity Platinum Card
Velocity Frequent Flyer
$375
120,000
1.25 points uncapped
Westpac
Altitude Platinum
Qantas Frequent Flyer
$200 $149 in the first year
60,000
0.5 points uncapped
Great Southern Bank
Low Rate Credit Card
0% p.a. for 25 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
humm90
Mastercard
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
23.99% p.a.
$99
PayPal
Rewards Card
0% p.a. for 20 months and then 20.99% p.a.
20.99% p.a.
$0
PayPal Rewards
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
0% p.a. for 12 months then 11.99% p.a.
$45
Westpac
Low Rate
0% p.a. for 28 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59 $0 in the first year
Great Southern Bank
Platinum Credit Card
0% p.a. for 25 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Great Southen Bank Platinum Rewards
NAB
Low Rate Card
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
12.99% p.a.
$59 $0 in the first year
HSBC
Platinum Credit Card
0% p.a. for 36 months and then 21.99% p.a.
19.99% p.a.
$129 $29 in the first year
Rewards Plus
Bendigo Bank
Low Rate Credit Card
0% p.a. for 12 months then 11.99% p.a.
0% p.a. for 12 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Great Southern Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 25 months and then 21.74% p.a.
$49 $0 in the first year
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
St.George
No Annual Fee
0% p.a. for 12 months then 20.74% p.a.
2.99% p.a. for 15 months and then 21.49% p.a.
$0
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 32 months and then 21.74% p.a. (0% balance transfer fee)
$59 $0 in the first year
