Low Fee Card
By Westpac
A straightforward credit card with no annual card fee, ever (minimum spend applies) and up to 55 days interest free on purchases.
Last product change: 12 Feb 2025
Last checked: 14 Aug 2025
Lending Rates
| Type | Rate (p.a.) | Comparison Rate (p.a.) | Duration |
|---|---|---|---|
Cash Advance | 21.99% | - | |
Interest on cash advances | |||
Purchase | 20.99% | - | |
Interest on purchases | |||
Fees
| Billing Frequency | Details | |||
|---|---|---|---|---|
| Annual Card Fee | Periodic | $30.00 | P1Y | null |
| Foreign Transaction Fee | Transaction | Payable as a percentage of the Australian dollar value of any foreign transaction. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. | ||
| Cash Advance Fee | Transaction | null | ||
| Missed Payment Fee | Event | $15.00 | $15 each statement cycle that the minimum monthly payment is not paid by the statement due date. | |
| Overlimit Fee | Event | $0.00 | $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | |
| Non-Westpac Group ATM fee | Variable | Although not a Westpac fee, using your card in a non-Westpac Group or Westpac Group partner ATM may result in a charge to you. Avoid paying an ATM operator fee by using any Westpac, St.George, BankSA, Bank of Melbourne or select Westpac Group partner ATM. | ||
| Credit Card Surcharge | Variable | In some instances, businesses may administer a ?surcharge? for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you?re unsure. |
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Features
| Interest Free Period | 55 days |
| Loyalty Programs |
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