Low Fee Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 21.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Cashback Offer Additional Information: Earn $240 cashback on your new low fee credit card - Get $240 cashback when you spend $3.5k+ on eligible purchases in the first 90 days from card approval. Offer not available if you?ve held a Westpac credit card in the last 24 months. New cards only. Credit criteria and T&Cs apply.

• Interest Free

• Digital Wallet Additional Information: Tap and pay quickly and easily using Garmin Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Apple Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Google Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Samsung Pay.

• Other Additional Information: Click to Pay - Online shopping made quick, simple and secure with Click to Pay.

• Digital Banking Additional Information: Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it

• Notifications

• Extra Repayments Additional Information: The product includes extra repayments

• Instalment Plan Additional Information: Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.

• Other Additional Information: Westpac PartPay: Split purchases into 4 payments with PartPay. T&Cs applies.

• Fraud Protection Additional Information: Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.

• Other Additional Information: Minimum repayments : 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.

• Other Additional Information: You can use your Card to make a Purchase or a Cash Advance or carry out a Balance Transfer from another Credit Card. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant, branch or ATM provider you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone, through mail order Withdraw Cash, at an ATM, at a Bank branch.

• Other Additional Information: Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.

• Other Additional Information: Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.

• Other Additional Information: Gambling blocks : If you wish to limit access to gambling services through the Card Account, please call us or log into your online banking and activate gambling block in the Card Services menu.

• Other Additional Information: Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.

• Other Additional Information: Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.

• Loyalty Program Additional Information: Explore ShopBack offers from the Westpac app, or earn bonus Cashback when you shop via the Westpac Lounge on ShopBack. Terms & Conditions applies.

• Loyalty Program Additional Information: Helpful cashback offers with Westpac Extras - Enjoy cashback to your account on eligible transactions from well-known and loved brands ? from department stores and supermarkets to petrol stations, travel partners and more. Subject to Terms & Conditions, eligibility criteria applies

• Other Additional Information: Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.

 Product Eligibility

• Min Age - 18. Additional Information: 18+ years old

• Residency Status - Those Having Permanent Residency In Australia/nz Or Being A Non-resident Or Migrant And Hold An Acceptable Visa, With A Minimum 1 Year Before Expiry.

• Min Income - 30000.00. Additional Information: Earn a minimum $30,000 per annum

• Other Additional Information: Customer having a regular, verifiable Australian taxable income.

• Other Additional Information: Customer having a fixed, verifiable residential address in Australia.

 Bank Fees and Charges

• Annual Card Fee (Periodic), Amount: 30.00.

• Foreign Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: 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), Amount: Not Listed..

• Missed Payment Fee (Event), Amount: 20.00. Additional Information: $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.

• Overlimit Fee (Event), Amount: 0.00. Additional Information: $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), Amount: Not Listed.. Additional Information: 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), Amount: Not Listed.. Additional Information: 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.

 Limitations & Restrictions (Constraints)

• Min Limit of 500.00

• Max Limit of 50000.00

 Document Downloads

  westpac-credit-card-terms-and-conditions.pdf (265 K)