| New cards only. | |
| Variable purchase rate | 9.90% p.a. |
| Minimum credit limit | $1,000 |
| Maximum credit limit | $20,000 |
| Minimum income required | $30,000 p.a. |
| New cards only. | |
| Monthly card fee | $9 |
| Foreign transaction fee | 0% |
| Cash advance fee | Cash advances not available. |
| Missed payment fee | $0 |
| Credit card surcharge | Some merchants may apply a surcharge for credit card payments (usually a percentage of the purchase). If you're unsure, check with the merchant before paying. |
For more information about credit card fees.
SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.[#]
Credit card balance SmartPlan
Turn any of your outstanding purchase, cash advance or promotional plan (e.g. balance transfer) balances of $200 or more into a SmartPlan. The purchase balance SmartPlan type is currently available at a lower interest rate.[#]
Large purchase SmartPlan
Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $200 or more that you’ve bought on your card in the last 30 days – think purchases such as a flight, hotel bill or even a new fridge. Large purchase SmartPlans are currently available at a lower interest rate.1 To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan.
The security of your card and information is extremely important to us. We have a range of security measures in place to ensure that your account is protected, including online. Westpac Added Online Security provides extra peace of mind when shopping online at participating retailers.
We also have your back if something does go wrong. Our Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.
Balance transfers into the Westpac Lite Card are not available.
Read the Apple Pay Terms and Conditions before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
The Google Pay Terms and Conditions before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our Google Pay FAQs for more information. Google Pay is a trademarks of Google Inc.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our Samsung Pay FAQs for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Android, Google Pay and Google Play are trademarks of Google Inc. Mastercard, PayPass and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
The Digital Card is only available in the Westpac App and supported with the latest version of the Westpac App. The terms and conditions applicable to your product also apply to the use of your digital card. Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.