Low Fee card image

Westpac Low Fee

Advertiser disclosure
Purchase rate
19.74% p.a.
Balance transfer rate
No current offer
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: 15 June 2023

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What's hot
  • $0 first year card fee, and $0 annual fee with a minimum card spend of $5,000
  • 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 (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).

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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 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.

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Who is it good for

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

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Any catches

Just avoid the temptation to withdraw cash with your card, because you’ll be hit by the 21.49% p.a. cash advance rate.

Details

Rates and fees information correct as at 21 February 2024 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

19.74% p.a.

none

No current offer

yes

21.49% p.a.

55

Fees

$30.00

$0 in the first year

$5,000.00

none

$15.00

3%

3.00%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

none

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay

Other benefits

PartPay available.

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Westpac Low Fee Credit Card

About Westpac

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$59 $0 in the first year

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23.99% p.a.

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$195 $0 in the first year

Membership Rewards

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23.99% p.a.

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Velocity Frequent Flyer

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23.99% p.a.

No current offer

$0

Qantas Frequent Flyer

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10.99% p.a.

No current offer

$0

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Velocity Escape Card

23.99% p.a.

No current offer

$0

Velocity Frequent Flyer

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American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points up to 100,000 points/year, then
1 point uncapped

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NAB

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

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Qantas Premium Card

Qantas Frequent Flyer

$249

20,000

1 point uncapped

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Rewards Signature Card

NAB Rewards

$295 $145 in the first year

160,000

1.25 points uncapped

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American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

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American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

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NAB

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

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Westpac

Altitude Black

Altitude Rewards

$295 $150 in the first year

150,000

1.25 points uncapped

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NAB

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

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Citi

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

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Bank of Queensland

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

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Virgin Money

Virgin Australia Velocity Flyer Card - Balance Transfer Offer

0% p.a. for 24 months and then 20.99% p.a.

20.74% p.a.

$129 $0 in the first year

Velocity Frequent Flyer

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Bankwest

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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

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NAB

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

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American Express

Low Rate Credit Card

10.99% p.a.

No current offer

$0

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HSBC

Low Rate Credit Card

12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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9.90% p.a.

No current offer

$59

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8.99% p.a.

0% p.a. for 6 months and then 8.99% p.a.

$59 $0 in the first year

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NAB

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

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10.99% p.a.

No current offer

$0

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12.99% p.a.

0% p.a. for 20 months and then 25.99% p.a. (2.00% balance transfer fee)

$99

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9.90% p.a.

No current offer

$59

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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

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Bank of Queensland

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

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Westpac

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.

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StraightUp Card

n/a

No current offer

$240 $20/month - waived if no spend & no balance owing

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