Westpac Low Fee Card

credit card

Low Fee Card is a credit card from Westpac, as the bank publishes it in its product data. Its purchase rate is 20.99% and its card fee $30 a year (first year free).

What the feed states

Purchase rate

20.99%

Cash advance rate

21.99%

Interest-free days

up to 55

Card fee

$30 a year (first year free) (Annual Card Fee)

Fee offer

Card Fee Waiver

Foreign transaction fee

3% of the transaction

Cash advance fee

3.5%

Late payment fee

$20

Cashback offer

$240

Digital wallets

Garmin Pay, Apple Pay, Google Pay, Samsung Pay

Instalment plans

offered

Credit limit

$500 to $50,000

Minimum income

$30,000 a year

Minimum age

18

Scheme

Mastercard

Conditions and offers

• no card fee in the first year, as the feed's discount states
• credit limit $500 to $50,000
• minimum income $30,000 a year
• offers for new cards only; not if you held any Westpac credit card in the last 24 months
• $0 card fee in the first year, and in later years with $5,000+ spend on purchases; otherwise $30
• from 30 November 2026: purchase rate 20.99% to 23.99%, cash advance rate 21.99% to 24.24%, minimum payment 2.5% or $25
• cards approved from 30 November 2026: $45 a year after the free first year, with no spend waiver
• $45 annual card fee after the first year from 30 November 2026

Who can apply, in the bank's words

• Customer having a regular, verifiable Australian taxable income.
• Customer having a fixed, verifiable residential address in Australia.

About this card

A simple credit card with no annual card fee ($5k p.a. minimum spend applies) and up to 55 days interest?free on purchases.

Data

• Westpac's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-30.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/westpac.json: this issuer's cards as JSON; Westpac's page lists them.
• The bank last updated this record on 2026-10-29; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Westpac

• Altitude Black Rewards World Mastercard credit card, 23.98%, $295 a year
• Altitude Business Gold credit card, 20.24%, $150 a year
• Altitude Business Platinum credit card, 20.24%, $200 a year
• Altitude Qantas Black credit card, 23.98%, $295 a year
• Altitude Qantas Platinum credit card, 23.98%, $175 a year
• Altitude Rewards Platinum credit card, 23.98%, $175 a year
• Altitude Velocity Black credit card, 23.98%, $295 a year
• Altitude Velocity Platinum credit card, 23.98%, $175 a year
• BusinessChoice Everyday credit card, 14.25%, $75 a year
• BusinessChoice Rewards Platinum credit card, 20.24%, $150 a year
• Lite Card credit card, 9.90%, $108 a year
• Low Rate Card credit card, 13.74%, $84 a year