Westpac Low Fee

0% p.a. for 9 months then 20.09% p.a.

No current offer

$30 $0 when you spend over $5,000 p.a, $0 in the first year

n/a

Westpac Low Fee

0% p.a. for 9 months then 20.09% p.a.

No current offer

$30 $0 when you spend over $5,000 p.a, $0 in the first year

n/a

Mozo Review   Westpac Low Fee Review

Last updated: 1 March 2019.

What's hot:
  • $0 annual fee (conditions apply)

  • 0% purchase rate for 9 months

  • Up to 55 days interest free

What's not:
  • 21.29% cash advance rate

Mozo snapshot:

Looking for a classic credit card to help you ditch debt? With an enticing 0% introductory purchase rate for 9 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.

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 19.84% 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 9 month introductory period ends, as the rate reverts back to 19.84%.

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.

Who it's good for:

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

Any catches?

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

Details

Rates and fees information correct as at 19 October 2019 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 9 months

  • No current offer

  • yes

  • 21.49% p.a.

  • 55

Fees
  • $30.00

  • $0 in the first 1 year

  • 5000

  • none

  • $15.00

  • 2%, Min $2.50, Max $150

  • 3.00%

  • $2.00

  • none

  • $0.00

Features
  • $10.00

  • 2.0

  • 1

  • none

Payment options

Google Pay, Samsung Pay, Fitbit, Garmin Pay

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall customer rating
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

  • Overall
    10/10
    Very helpful

    Have been with them for years.

    Have been with them for years.

    Price
    9/10
    Features
    9/10
    Customer service
    9/10
    Convenience
    -1/10
    Trust
    9/10

    Dawn | New South Wales

    reviewed 11 months ago

  • Overall
    7/10
    Satisfactory

    Long waits but good services.

    Long waits but good services.

    Price
    8/10
    Features
    7/10
    Customer service
    6/10
    Convenience
    6/10
    Trust
    9/10

    Kelly | Victoria

    reviewed 11 months ago

  • Overall
    1/10
    Poor

    Terrible product. There are too many problems and unhappy customers. I'm am one of the unhappy...

    Terrible product. There are too many problems and unhappy customers. I'm am one of the unhappy customers.

    Price
    0/10
    Features
    0/10
    Customer service
    1/10
    Convenience
    2/10
    Trust
    1/10

    Peter | Western Australia

    reviewed 11 months ago

  • Overall
    7/10
    Unhappy with credit card annual fee

    My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on...

    My biggest concern is the credit card fee. I have NEVER not repaid my full monthly balance on time. I once challenged the fee, but it didn't get waived. The main reason I am still with the bank is because I haven't got around to dealing with changing my direct debits.

    Price
    5/10
    Features
    2/10
    Customer service
    6/10
    Convenience
    9/10
    Trust
    9/10

    Diane | Victoria

    reviewed about 1 year ago

  • Overall
    3/10
    Loyalty means nothing

    As this is the only bank & credit card I have had, I cannot really compare to other banks. The...

    As this is the only bank & credit card I have had, I cannot really compare to other banks. The times I have had to use have been satisfactory.

    Price
    -1/10
    Features
    5/10
    Customer service
    0/10
    Convenience
    6/10
    Trust
    0/10

    Tarina | Western Australia

    reviewed over 1 year ago

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.

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