Westpac Low Fee Card
Do you manage Westpac card listings? Claim on Partner Central
CardIQ
Fair
Overall score, out of 100 · How this works
- 55 days interest-free53
- Cashback62
- First timer67
- No annual fee58
- Rewards23
Customer reviews
No reviews yet. Be the first to review the Westpac Low Fee Card.
Pros & cons
What's good
- No annual fee.
- Earns cashback on eligible spending.
- No fee to add an additional cardholder.
Worth noting
- The annual fee increases from $0 to $30 in the second year.
- The 20.99% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
Card details
The basics
- Additional cardholder fee
- $0 p.a.
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $500 – $50,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- Yes (response in ~60 seconds)
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $30,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 21.99% p.a.
- Purchases
- 20.99% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- No annual fee
- Annual fee (year 2+)
- $30 p.a.
- Cash advance fee
- 3.5% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 2% of the closing balance or $10, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Cashback
- Sign-up cashback
- $240
- Spend required
- $3,500 in 3 months
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- American Express Low Rate Credit CardvsWestpac Low Fee Card
- ANZ Low RatevsWestpac Low Fee Card
- CommBank Low Fee Credit CardvsWestpac Low Fee Card
- NAB Low Rate Credit CardvsWestpac Low Fee Card
- Westpac Low Fee CardvsAmerican Express Platinum Edge Credit Card
- Westpac Low Fee CardvsANZ Platinum Credit Card
- Westpac Low Fee CardvsAustralian Mutual Bank Credit Card
- Westpac Low Fee CardvsBank Australia Low Rate Visa Credit Card
- Westpac Low Fee CardvsBank Australia Visa Credit Card
- Westpac Low Fee CardvsBankVic Low Rate Visa
- Westpac Low Fee CardvsBankVic Qantas Visa Credit Card
- Westpac Low Fee CardvsBankwest Zero Classic Mastercard
- Westpac Low Fee CardvsBankwest Zero Platinum Mastercard
- Westpac Low Fee CardvsBendigo Bank Ready Credit Card
- Westpac Low Fee CardvsBOQ Specialist Platinum Credit Card
- Westpac Low Fee CardvsColes No Annual Fee Mastercard
Browse by card type
Compare the Westpac Low Fee Card against every other card in its category.
Questions and answers
No questions yet. Ask the first one about Westpac Low Fee Card.
Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Westpac