Fee Free Mastercard
Fee Free Mastercard is issued by Westpac. Every figure below is one Westpac publishes, with the date it was read.
The facts
What stands out
Joint-lowest purchase rate in this table, alongside Kiwibank, and one of only two issuers charging nothing on foreign currency.
Cash advances are charged at 19.95% p.a.
Stated as facts from Westpac's own published pages, not as an opinion about whether the card suits you. Conditions, eligibility and the full fee schedule are on their site.
Purchase rate
12.90%
$0 a year to hold · Up to 55 interest-free days
Go to Fee Free Mastercard
Back to all credit cardsChecked 16 September 2026