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Why choose the No Annual Fee Card?

The freedom and security of a credit card with no annual card fee ever

$500
minimum credit card limit.
Up to 55 days
interest free on purchases when you pay the closing balance by the statement due date each month. Excludes balance transfers.
20.74% p.a.
variable interest rate on purchases.

You also get…

Secure shopping
Verified by Visa lets you shop online knowing your internet purchases and payments are safer and more secure.
Visa payWave
Contactless payments for transactions under $100.
Up to 3 extra cards
For additional cardholders aged 16 or over at no extra cost, provided the account isn't a joint account. Additional card transactions are the responsibility of the primary account holder.

and right now, an additional...


0 % P.A.

for 12 months on balance transfers

Special offer

  • 1% balance transfer fee. The variable cash advance rate will apply after the promotional period. The offer is only applicable to balance transfers requested at card application

Rates

  • 20.74% p.a. variable interest rate on purchases
  • 21.49% p.a. variable cash advance interest rate
  • 2% of each cash advance amount (minimum of $2.50 capped at $150 per transaction)
  • 3% of the Australian dollar value for transactions with merchants based overseas

Key fees

  • $15.00 Fee applied for each late or missed payment
  • $9.00 For each dishonour of a payment under the automatic payment plan
  • $0 Card replacement fee within Australia ($52.50 outside Australia; $45 emergency replacement fee)

Complimentary services

  • Linking to BankSA bank account
  • 24/7 fraud monitoring
  • Phone and Internet Banking
  • Automatic repayment plan
  • SMS and email alerts
  • Visa payWave contactless payments for transactions under $100

How to apply for a credit card

1.
You apply online in 10 minutes.
2.
We review your application and may ask for supporting documents.
3.
If approved, you'll receive all the information you need to activate and make the most of your new card.

Important information

Before making a decision, please read these documents to ensure you're aware of all fees, charges and interest rates.
Credit Card Conditions of Use
All you need to know about our cards.
Credit Card Accounts Fees and Charges
A complete list of card-related costs.

Important information

Conditions, fees and credit criteria apply.

Switches, upgrades, or Westpac Group staff are ineligible. The promotions may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

This card is issued as a Visa card.

Credit Card Conditions of Use (PDF 304KB)
Credit Card Accounts Fees and Charges (PDF 162KB)

#Balance Transfer Promotion: The promotional balance transfer rate is available when you apply and are approved for a new Vertigo, No Annual Fee, Amplify Signature or Amplify Platinum credit card between 3rd October 2019 and 12th February 2020, and request at card application to transfer balance(s) from up to 3 non-St.George, Bank of Melbourne and BankSA Australian issued credit, charge or store cards. The rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. A balance transfer fee of 1% will apply to balance(s) transferred to a new No Annual Fee credit card and will be charged to the card account on the same day the balance(s) are debited to the account. No balance transfer fees apply to Vertigo, Amplify Signature or Amplify Platinum credit cards. At the end of the promotional period, the applicable variable cash advance rate will apply to any outstanding transferred balance(s). We will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Interest free days on purchases do not apply to credit cards with balance transfers. You will be charged the applicable purchase rate on any spend that you make whilst you have an outstanding balance transfer.