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Westpac · Credit cards

Low Fee Card

Westpac's Low Fee Card is a credit card. The figures are the ones Westpac publishes under the Consumer Data Right today. The advertised rate has not moved since we began tracking it.

Advertised rate
20.99%
headline tier
Tiers
2
current rate rows
Last moved
Never
since tracking began
20.99%5 October 20264 November 2026

Advertised rate, last 30 days. Unchanged over the last 30 days.

Every current rate (2)

TierRate
Purchases20.99%
Cash advances21.99%

Rate moves, last 30 days

No rate moved on this product in the last 30 days.

Published fees

FeeAmount
Annual Card Feerecurring$30
Foreign Transaction Feeper transaction: Payable as a percentage of the Australian dollar value of any foreign transaction.see lender
Cash Advance Feeper cash advancesee lender
Missed Payment Feelate payment: $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.$20
Overlimit Feewhen it happens: $15.00 once per statement period if your credit card account was opened before 4 June 2012.$0
Non-Westpac Group ATM feeper transaction: 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.see lender
Credit Card Surchargeper purchase: In some instances, businesses may administer a 'surcharge' for credit card payments.see lender

Other Westpac credit cards

Westpac Lite Card 9.90%Low Rate Card 13.74%BusinessChoice Everyday Mastercard 14.25%Altitude Business Gold Mastercard 20.24%Altitude Business Platinum Mastercard 20.24%BusinessChoice Rewards Platinum Mastercard 20.24%Altitude Black Rewards World Mastercard 23.98%Altitude Qantas Black 23.98%Altitude Qantas Platinum 23.98%Altitude Rewards Platinum 23.98%Altitude Velocity Black 23.98%Altitude Velocity Platinum 23.98%

Get an email the morning Westpac moves this rate.

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