Westpac Low Fee Credit Card

Save with 0% interest on purchases for the first 15 months and a $0 annual fee for the first year.

Apply for the Westpac Low Fee credit card online by 30 November 2021 and you'll get 0% p.a. on purchases for the first 15 months. If you have an existing debt, you can request to move it to this card and pay 6.99% p.a. on the balance transfer for 12 months with no balance transfer fee. Plus, you don't have to pay any annual fee for the first year or in subsequent years when you meet the annual spend requirement.

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6.99% p.a.

Balance transfer rate

for 12 months

0% p.a.

Purchase rate

for the first 15 months (reverts to 20.09% p.a.)

$0 p.a.

Annual fee

for the first year ($30 p.a. thereafter)

55 days

Interest free period

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Product NameWestpac Low Fee Card
Balance transfer rate6.99% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (21.49% p.a.)
Balance transfer limit80% of available limit
Purchase rate0% p.a. for 15 months, reverts to 20.09% p.a.
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.49% p.a.
Min credit limit$500
Max credit limit$25,000
Card typeMastercard
Foreign currency conversion fee3%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% p.a. interest on purchases for 15 months
  • $0 annual fee for the first year and in the following years when you spend $5,000 on purchases in each 12 months from the date of the first transaction on your account
  • 6.99% p.a. on balance transfers for 12 months


  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$0 annual fee for the first year ($30 p.a. thereafter)
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$15
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Westpac Low Fee is a no-frills credit card designed to help you save money. If you have big ticket items on your shopping list, the 0% purchase rate offer gives you a way to save on interest charges when you pay with this card. Although many credit cards offer no annual fee in the first year, the Westpac Low Fee credit card is unique because it also offers you this $0 fee when you meet the spend requirement each year. The standard annual fee of $30 p.a. is also competitive when compared to some other cards on the market.

How to apply

You can apply for the Westpac Low Fee credit card in 10 minutes and receive a response in 60 seconds.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • 0% p.a. for 15 months on purchases. Apply for a new Westpac Low Fee credit card online by 30 November 2021 and you can shop interest-free for the first 15 months from card approval. Note that minimum repayments still apply during the introductory 15-month period.
  • Annual fee waiver. This card charges a standard annual fee of $30 p.a., but offers a $0 annual fee in the first year. After the first year, annual fees for subsequent years are waived if the minimum $5,000 yearly spend is met.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $30 p.a. When you spend at least $5,000 over the course of the year, the annual fee in the subsequent year will be waived.
  • Purchase interest rate. This card charges a standard 20.09% p.a. interest rate on purchases.

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    Default Gravatar
    October 6, 2016

    I have an outstanding debt with an aussie credit card. the limit was 1,500.00. I have been paying this debt off for over 4yrs and not getting anywhere. My credit was suspended on the card years ago, I have just been paying off the debt. I think I now owe around 1,000.00. Is it possible to transfer this debt to your company???

      Avatarfinder Customer Care
      October 7, 2016

      Hi Linda,

      Thanks for your question.

      Please note that we are Finder, a financial comparison and information website, not Westpac.

      To apply for Westpac 55, you need to meet the following eligibility criteria:

      • You are a permanent resident of Australia
      • You are over 18 years old
      • You don’t have poor creditworthiness

      You can also check other balance transfer credit cards and see what options you may have.

      Please note that rejected credit card applications can have a negative impact on your credit file, so before you apply, be sure to check the eligibility criteria and the requirements.


    Default Gravatar
    July 13, 2016

    Hi, can I do a balance transfer from a St George credit card onto a Westpac 55 day credit card or is St George and other banks affiliated to Westpac excluded from the offer? Regards

      Avatarfinder Customer Care
      July 13, 2016

      Hi Ian,

      Thanks for your question.

      Unfortunately, it’s not possible to conduct a balance transfer between Westpac and St. George credit cards. On this credit card balance transfer criteria guide, you can find which financial institution that you’re able to conduct a balance transfer to and from.

      In the meantime, you may like to compare your balance transfer credit cards that may allow you to transfer the balance from your St. George card to a non-Westpac credit card. Please make sure to review the criteria and requirements before you submit your application.

      I hope this is helpful.


    Default Gravatar
    April 14, 2016

    What other interest (transaction) charges are applied and at what rate?

      Avatarfinder Customer Care
      April 14, 2016

      Hi Don,

      Thanks for your question.

      The fees charged by Westpac 55 Day Credit Card were outlined in the table above particularly on the ‘fees and repayments’ section.

      Hope this helps.


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