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Westpac Low Fee
- Cashback
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Get even more Cashback with Westpac and ShopBack
~ Ends in 3 daysGet $100 Cashback when you spend $100+ on Gift Cards purchased via Shopback.com.au within 90 days of card approval The $100 cashback offer is available when you apply and are approved for a new Low Fee credit card between 12th December 2023 and 30th April 2024. $100 cashback will be awarded when $100 or more is spent in one or more transactions on Gift Cards via ShopBack.com.au within 90 days of new card approval. Cashback is only available on one credit card account per customer. $100 cashback will be paid as a statement credit to your Low Fee credit card account within 60 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 12 months are not eligible for this offer. This promotional offer is not available if you apply under the Westpac Premier Advantage Package.
Purchase rate p.a.
19.74%
Balance transfer rate
21.49%
Annual fee
$30
Westpac Low Fee
- Cashback
- Apple, Google & Samsung Pay
- Balance transfer
- Low annual fee
Purchase rate p.a.
19.74%
Balance transfer rate
21.49%
Annual fee
$30
Pros and Cons
For Westpac Low Fee
Benefits
- Annual fee of $30 is refunded when you spend $5,000 on purchases every 12 months
- Lower than average annual fee
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- Higher than average ongoing variable purchase rate
- No reward program
Westpac Rate Credit Card overview
For Low Fee
Details
Card level
Standard
Card type
MasterCard
Interest free days
55
Minimum monthly repayment
2% or $10
Minimum credit limit
$500
Maximum credit limit
$25,000
Free supplementary cards
Instant approval
Target Market Determination
Visit Westpac Banking Corporation Ltd to view Target Market Determination.
Fees
Annual fee
$30
Annual Fee Spend Waiver
$5k
Supplementary card annual fee
$0
Late payment fee
$15
Over limit fee
$15
Duplicate statement fee
$2
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
19.74%
Cash advance rate
21.49%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
21.49%
Transfer limit
80%
of the approved credit limit
Balance transfer fee
Overseas spending
Foreign exchange fee
Overseas charges
$2.5
Estimated ATM cost
$11.5
for AU $300 withdrawal
Rewards
Program name
Rewards available
Eligibility
Minimum age
18
Minimum income
$30,000
Eligibility conditions
You have a regular, verifiable income
Residency
Australia CitizenPermanent Resident
