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The important numbers

Ongoing annual card fee $0
Variable purchase rate 20.74% p.a. 
Variable cash advance rate 21.49% p.a. 
Minimum credit limit $500

12 months interest-free on purchases<

With this groovy offer, you’ll pay 0% p.a. interest on purchases for the first 12 months you have your new card. After that, the interest rate goes back to the variable purchase rate.


What you’ll get

  • No annual card fee

  • Up to 55 days interest-free on purchases¹

  • Up to 3 additional cardholders with no annual card fee⁹



  • A higher interest rate on purchases than our Vertigo card

  • No rewards points or complimentary insurances

Before continuing

A final check that this is the right credit option for you. Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:

  • You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
  • You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
  • You need ongoing access to credit to help with short-term cashflow, but don’t want a credit card. In this case, look at our Overdraft
Important information
Conditions, fees and credit criteria apply. This card is issued as a Visa card. Before making a decision read the Terms and Conditions and consider if the product is right for you. 

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 This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

<Purchase Rate Promotion: The introductory rate of 0% p.a. on purchases for 12 months applies from card approval when you apply and are approved for a new No Annual Fee credit card between 20th October 2021 and 31st December 2022. After 12 months, the introductory purchase rate will switch to the variable purchase rate then applicable to your card account.

1 55 Days Interest Free: Receive up to 55 days interest free on your purchases if your Monthly Payment Balance is paid in full by the due date shown each month. This amount is calculated as the main account balance minus the balance transfer amount plus any Plan&Pay instalments for this month. If you do not have any Plan&Pay instalments or a balance transfer, the Monthly Payment Balance will be the same as the Closing Balance.

9 An additional credit card can be issued on the primary cardholder's account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder.