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

Mozo editorial review Westpac Low Fee - last updated: 19 November 2021

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What's hot
  • $0 annual card 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 card fee for the first year ($30 per year after that), and in each subsequent year when you spend $5,000 or more on purchases.

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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 20.09% 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 20.09% 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. 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 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.

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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.


Rates and fees information correct as at 24 January 2022 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.

20.09% p.a.

0% p.a. for 15 months

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


21.49% p.a.




$0 in the first year














Payment options

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

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