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Westpac Student Credit Card

The Westpac Student Visa Credit Card has been designed to meet the needs of full time tertiary students who are studying at a recognized tertiary institution. It features a low annual fee of $30 annual fee, waived in the first year, and up to 55 days interest free on purchases. Westpac will accept partime and casual jobs as sources of income which helps meet the minumum income requirements for this Student Credit Card.

  • $30 annual fee - waived in the first year
  • Up to 55 interest free on purchases - when full closing balance is paid by the statement due date
  • Income you earn from a casual or part-time jobs - taken into account on your application
  • Pay for everyday purchases under $100 - with tap and go
  • $1,000 - maximum credit limit.
Credit Card Details
Provider Westpac
Prestige Level Standard
Credit Card Type Visa
Instant Approval Yes in 60 seconds
Standard Rates
Purchase Rate 20.45%
Cash Advance Rate 20.45%
Interest Charged From Purchase date
Interest Free Period Up to 55 days
Balance Transfer
Balance Transfer Rate -
Balance Transfer Period -
Balance Transfer Fee -
Balance Transfer Processing Time -
Max. Balance Transfer -
Revert rate -
Intro Offer No
Offer end date -
Rewards Program No
Rewards Points No
Acceptance Criteria
Age to Apply 18
Min. Income -
Residency Australia
Temporary residents Yes with a Student Visa
Min. Credit Limit $300
Joint applicants No
Fees & Terms
Min. Monthly Repayment -
Annual Fee $30
Over Limit Fee $9
Duplicate Statement fee -
Late Payment Fee -
Min. Monthly Repayment % 2%
Max. Credit Limit $1,000
Cash advance fee 2% of the value of the transaction or minimum charge of $2.50
Additional card holder fee -
Travel & Insurance
Foreign currency conversion fee 3% of transaction value
Overseas atm withdrawal fee -
Complimentary travel insurance No

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