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Westpac Lite Card

A simple credit card with fewer fees and our lowest purchase rate.

Westpac 55 Day low annual fee credit card

 

Features
  • Variable interest rate of 9.90% p.a. on purchases
  • No fees for foreign transactions or late payments
  • Borrow between $500 and $4,000 (credit criteria apply)
  • Plan today for yesterday’s purchases – set up a repayment plan with SmartPlan.
Apply online

Apply online in 10 minutes. Get a response in 60 seconds.


Low Rate Card

Trim your costs. Get back to enjoying life.

Westpac 55 Day low annual fee credit card

 

Special offer

0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable variable cash advance rate.#

Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.

Apply online

Apply online in 10 minutes. Get a response in 60 seconds.


Rewards credit cards

Rewards to suit your lifestyle.

Choose between Altitude or Qantas rewards points, with an excellent earn rate.

Westpac rewards cards
 
Special offers
  • Get up to $20 off every 3rd Uber ride on your new Altitude credit card (up to a maximum of $250 in free rides).
  • Earn 60,000 bonus Qantas or Altitude Points when you spend $3,000 on eligible purchases with a new Altitude Platinum credit card within 90 days of card approval. Exclusions apply.
  • Earn 80,000 bonus Qantas or Altitude Points when you spend $5,000 on eligible purchases with a new Altitude Black credit card within 90 days of card approval. Exclusions apply.
Apply online

Apply online in 10 minutes. Get a response in 60 seconds.


Low Annual Fee credit cards

Everyday credit with no annual card fee in the first year.

Westpac low annual fee credit cards

 

Special offers

$0 annual card fee for all customers in the first year and in subsequent years if minimum spend criteria are met.*

0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable variable cash advance rate.#

Make the most of the balance transfer by creating a balance transfer repayment plan with SmartPlan.

Apply online

Apply online in 10 minutes. Get a response in 60 seconds.

Things you should know

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or customers accessing employee benefits are ineligible. Offer may be withdrawn or extended at any time.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Rewards Points: Depending on your choice of rewards program, you can earn Altitude Points or Qantas Points on your eligible purchases. The earning and redemption of Altitude Points and Qantas Points is subject to the Altitude Rewards and Altitude Qantas Terms and Conditions. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. You do not earn Altitude Points or Qantas Points on payments to the Australian Taxation Office.  

A points cap per statement cycle applies to the Altitude and Altitude Platinum Cards. For details, see the Rewards tab on the Altitude or Altitude Platinum product page.

#Balance transfer promotion: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 27th October 2017 and 31st January 2018, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 2% of the transferred balance(s) will be charged to the account on the same day the balance(s) are debited to the account. The promotional rate will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period. 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 do not apply to credit cards with balance transfers.

Bonus points promotion: The respective bonus points promotions are available when you apply for a new Altitude Platinum or Altitude Black credit card between 27th October 2017 and 31st January 2018, and spend the minimum amount of $5,000 on eligible purchases on an Altitude Black credit card or $3,000 on eligible purchases on an Altitude Platinum credit card within 90 days from card approval in one or more transactions.

Eligible purchases do not include fees, cash, cash equivalent transactions, BPAY, refunds and balance transfers debited from the card account. The bonus Altitude Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. Existing Westpac customers who currently hold an Altitude Platinum or Altitude Black credit card, or who have held one in the last 12 months are not eligible for this offer. Qantas Points earned during a statement cycle are added to your Qantas Points balance on a monthly basis.

Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Altitude Black card between 27th October 2017 and 31st January 2018. The first annual card fee at the discounted rate will be debited to your card account on your first transaction and the full annual card fee, currently $395, will be debited annually thereafter. Credit criteria, fees and charges apply.

Uber promotion: To be eligible for this offer, customers must apply for a new Westpac Altitude credit card between 27th October 2017 and 31st January 2018, and register their Westpac Altitude credit card as their payment option on their Uber account. Westpac will cover up to $20 for every 3rd  Uber ride paid for using the new Westpac Altitude credit card until 31st August 2018 ("Offer Period"). Discounted rides must be used before 31st August 2018 (one use per ride). This promotion is not available to existing Westpac Altitude credit card holders. Rides cannot be saved. A maximum of $250 in free rides per customer applies during the Offer Period. The offer is valid for Uber rides in Australia only. Only rides paid for using your Personal profile are eligible. The offer excludes Business and Family profiles, uberTAXI rides and rides using the split fare option. You will be notified in the Uber app when the promotion has been activated on your Uber account. If the ride cost exceeds $20, the remaining balance will be charged to your Westpac card. The promotion will end at the end of the Offer Period or when the maximum of $250 in discounted rides has been taken by the eligible customer. This offer includes Uber accounts that are linked to a Westpac Altitude credit card with a joint account. Valid in Australia only. Eligible rides are rides paid for using Personal profile only. Excludes Business & Family profiles, uberTAXI rides and rides using split fare option.) Terms and conditions apply.

*55 Day no annual card fee promotion: $0 annual card fee in the first year and $0 annual card fee in subsequent years promotion is available when you apply for a new 55 Day or 55 Day Platinum credit card between 27th October 2017 and 31st January 2018 and spend $5,000 or more on a 55 Day credit card or $10,000 or more on a 55 Day Platinum credit card on purchases in each 12 months from the anniversary date of the first transaction on your account.

SmartPlan Disclaimer: SmartPlan requires monthly payments to be made for the term calculated and at the applicable interest rate when the SmartPlan is entered into. All payments made to your account will be applied first to any SmartPlan instalments. Therefore debts accruing a higher interest rate maybe left unpaid during the SmartPlan term. Your balance transfer must have a maximum of 36 months and a remaining term of at least 3 months to be eligible for a SmartPlan. See SmartPlan for more details.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Westpac credit cards are part of the Westpac Group, including St.George, Bank of Melbourne, BankSA and Westpac.

Samsung is a trademark of Samsung Electronics Co. Ltd.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.