Westpac Low Fee Credit Card

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Westpac Low Fee Credit Card

Highlights

$0 annual fee for the first year.
A $30 annual fee applies after the first year, but it’s waived if you spend $5k each year.
Split purchases into 4 payments over 6 weeks for easier repayment.

Pros and cons

Pros

Provides protection against fraudulent transactions for added security.
The credit limit starts at $500, making it a flexible option for different spending needs.
Compatible with Apple Pay, Samsung Pay, and Google Pay.

Cons

There is a 3% foreign transaction fee for overseas transactions.
No rewards program which is not surprising for a low-fee card.

History

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Rates and fees

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