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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


  • Variable interest rate of 9.90% p.a. on purchases
  • No fees for foreign transactions
  • $9 monthly card fee, no annual card fee
  • Plan today for yesterday’s purchases – set up a repayment plan with SmartPlan.1
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Low Rate Card

An everyday credit card with a higher credit limit than the Westpac Lite Card, a low annual card fee and promotional interest rate offers.

Westpac 55 Day low annual fee credit card


Special offer

Pay no annual card fee for the first year (saving $59)+

Plus, pay no interest for 2 years on balance transfers requested at card application. A 1% balance transfer fee applies. After 2 years the rate switches to the variable cash advance rate.#

Apply online

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

Things you should know

Consumer Credit Cards - Conditions of Use (PDF 345KB)

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on Switches, upgrades or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.

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

#Balance transfer promotion: This offer is available when you apply for a new Low Rate, 55 Day or 55 Day Platinum credit card between 12th June 2018 and 23rd October 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% (a 1% on new Low Rate Cards) 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 80% 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. 

+Discounted annual card fee in first year promotion: The discounted first year annual card fee promotion is available when you apply for a new Low Rate between 12th June 2018 and 23rd October 2018 or Altitude Platinum credit card between 9th August 2018 and 27th November 2018. The first annual card fee at the special promotional rate will be debited to your card account on your first transaction and the full annual card fee will be debited annually thereafter.

1 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, so debts accruing a higher interest rate may be 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. SmartPlan cancellation takes up to 2 Business Days. Any SmartPlan Remaining Balance will revert to the variable interest rate for your balance type or special offer rate as applicable.

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