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Westpac Low Fee
$ 15000
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$ 15000
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Westpac Low Fee

Westpac Low Fee

Pay 0% p.a. for up to 15 months on new purchases and 0% p.a. for 6 months on balance transfers with no balance transfer fee when requested at card application with the Westpac Low Fee credit card. Save with no annual card fee in the first year, and following years if you spend $5,000. Otherwise card fee is $30 p.a. New cards only. Conditions, T&Cs apply.

Balance Transfer Savings

0% Purchase Savings

View Offer

You could save

$3,411

Savings is an estimate of the amount saved on interest charges and annual fees, as a result of transferring an eligible balance to the 0% balance transfer card for the interest-free period.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as applicable balance transfer and annual fees, along with the following assumptions:
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

in 6 months

You could save

$3,411

Savings is an estimate of the amount saved on interest charges and annual fees during the interest-free period, as a result of making a purchase on a 0% purchase card, rather than on your existing card.

The savings estimate is based on a daily compound interest rate formula, taking into consideration your inputs above, as well as the annual fee, along with the following assumptions:
• The purchase amount is incurred in the first month
• No additional purchases or withdrawals are made
• A minimum 3% balance repayment is made each month
• Annual fees for the current year are charged in the first month
• If applicable, the annual fee refund is processed in the month eligibility is met
• There are 30 days in each month
• Your existing card will be closed and will incur no further fees
• Other fees are excluded

All estimates are based on our assumptions and do not take into consideration your personal circumstances. Your experience may vary. Refer to our Website Terms & Conditions for more information.

Go to offer links directly to the bank’s website. Please ensure you review the full terms and conditions on the bank’s website prior to applying.

More info links to a detailed product page on our site.

in 15 months

0% for
15 months
Purchase Rate
$0

first year
then $30 p.a.
Annual Fee
Pay no annual card fee in the first year (saving you $30) and in following years if you spend $5,000 within 12 months of your cards anniversary date
0% for
6 months
Balance Transfer
0% for
15 months
Purchase Rate
$0

first year
then $30 p.a.
Annual Fee
Pay no annual card fee in the first year (saving you $30) and in following years if you spend $5,000 within 12 months of your cards anniversary date
0% for
6 months
Balance Transfer
0% for
15 months
Purchase Rate
$0
first year
then $30 p.a.
Annual Fee
Pay no annual card fee in the first year (saving you $30) and in following years if you spend $5,000 within 12 months of your cards anniversary date
$30

annual fees
Total Fees
Total Fees is a calculation based on the total annual fees charged for the number of months the promotional period applies. An annual fee is charged in full for each year or part of a year. The calculation considers annual fee refunds for minimum spend thresholds, as well as variances between first and subsequent year annual fees. No other fees are included in this calculation.

Westpac Low Fee Review

Pros
  • 6 month balance transfer offer
  • Up to 55 days interest free period
  • No additional cardholder fee
  • Low annual fee
  • 0% on purchases for the first 15 months
  • Westpac Extras includes shopping cashback offers that work on top of any other discounts with selected brands
Cons
  • Relatively high international transaction fee of 3%
  • No rewards program
0% Purchase Offer
Number of months that the promotional 0% purchase offer applies
15 months
Mobile Cardless PaymentsYes
Apple Pay
Samsung Pay
Google Pay
Garmin Pay
Fitbit Pay
Card TypeMastercard
Maximum Credit Limit$25,000
Minimum Credit Limit$500
Cash Advance Rate
Interest rate incurred for a cash advance
21.49% p.a.
Interest Free Period
The maximum period of time that no interest is charged on new purchases. May not be applicable if the account or closing balance is not paid in full by the due date.
Up to 55 days
Purchase Rate
The standard interest rate that applies to purchases on the card
20.09% p.a.
Balance Transfer Limit
Maximum percentage of your approved credit card limit that can be used for the balance transfer
80%
Balance Transfer Revert Rate
The interest rate that will be charged on any remaining debt after the balance transfer period ends. This value could be variable depending on the card product.
21.49% p.a.
Balance Transfer Months
Number of months the promotional balance transfer offer applies
6 months
Balance Transfer Rate
The interest rate applied to the balance transfer amount for a set period of time
0% p.a. for 6 months with a 0% transfer fee
Offer Ends31 Mar 2021
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$0 p.a.
Pay no annual card fee in the first year (saving you $30) and in following years if you spend $5,000 within 12 months of your cards anniversary date
Joint ApplicationNo
Temporary Resident ApplicationYes - conditions apply, see bank site for details
Minimum Age18 years of age or over
Annual Fee
An annual fee is charged in full for each year or part of a year that the card is held. The annual fee may differ between the first and subsequent years.
$0 p.a.
Pay no annual card fee in the first year (saving you $30) and in following years if you spend $5,000 within 12 months of your cards anniversary date
Cash Advance Fee2% or $2.50, whichever is greater
Minimum Monthly Repayment
The minimum repayment that must be paid by the payment due date to avoid incurring late fees. Interest will still be charged on the remaining amount owing.
2% of the closing balance or $10, whichever is greater
Late Payment Fee
Fee incurred if the minimum repayment is not paid by the due date
$15
International Cash Advance Fee2%
International Transaction Fee
Fee incurred for transactions made in foreign currency
3% of the transaction value
Additional Cardholder Fee
Fee incurred for adding an additional cardholder to the account
$0
Maximum Additional Cardholders
Maximum number of additional cardholders
Up to 1
Additional ExtrasYes
Westpac Extras includes shopping cashback offers that work on top of any other discounts with selected brands

Like the sound of this card?

Apply now securely via the bank's website or email yourself a link to apply later.
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