Westpac Lite Card
Why choose the Westpac Lite Card?
- Get our lowest variable purchase rate of 9.90% p.a.
- Buy online and overseas with confidence, with no foreign transaction fees.
- $9 monthly card fee and no annual card fee
- Pay no interest on purchases for up to 45 days when you pay your balance (including monthly card fee) in full each month.
- A lite limit of $500 - $4,000
How does a Westpac credit card help me?
Westpac Extras
Westpac Extras includes great shopping cashback offers that work on top of any other discounts. Simply use your card as normal and we'll credit your account. No codes, no coupons, all-easy.
Plan smarter repayments
Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.4
Track your spending easily
Adjust payment limits, place your card on hold and track your balance quickly and easily using the Mobile Banking app.
Know what to pay when
Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments.
Apple Pay is here
Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.
Frequently asked questions
SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.1
Credit card balance SmartPlan
Turn any of your outstanding purchase, cash advance or promotional plan balances of $200 or more into a SmartPlan.
Large purchase SmartPlan
Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $500 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.
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.
| Variable interest rate on purchases | 9.90% p.a. |
| Cash advances/withdrawals fee | Cash advances not available |
| Monthly card fee | $9 |
| Foreign transaction fee | 0% |
| Late payment fee | $0 |
| Duplicate statement fee | $2.00 may be debited from your credit card account if you, or an additional cardholder, orders a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement. |
| Non-Westpac Group ATM fee | Although not a Westpac fee, using your card in a non-Westpac Group ATM may result in a charge to you. Avoid this fee by using one of Westpac’s extensive network of 2,900 ATMs across Australia (including any St.George, BankSA and Bank of Melbourne ATMs). Find a Westpac Group ATM. |
| Credit card surcharge | In some instances, businesses may administer a ‘surcharge’ for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you’re unsure. |
Before you apply
To improve the likelihood your application is approved and in a timely manner, please read this section carefully before applying.
- You’re regularly meeting your repayment obligations for other credit card or loan accounts
- You’ve considered whether you need to keep any credit accounts you no longer use – e.g.: store cards.
As part of reviewing your application we look at the information on your credit report, which is produced by an independent credit bureau. This report shows a snapshot of your liabilities, available credit, and your repayment behaviour for these accounts. To learn more about credit reporting in Australia visit www.westpac.com.au/ccr.
It’s a good idea to view your own credit report and check your details are correct before starting your application. You can do this for free by visiting the credit bureau website directly, or via CreditSmart.org.au. We work with three bureaus: Equifax, illion and Experian, so you might like to check the report produced by each of them.
Before starting your application, make sure you have everything in the list below:
- All existing liabilities that are in your name (e.g. personal loans, other credit or store cards, ‘interest-free’ instalment purchases, home loan)
- Your income information from the last 3 months, such as payslips, bank statements and rental income (you won’t need this if your pay already goes into a Westpac bank account)
- All your regular monthly expenses (including school fees, insurance, bills etc.)
- Your frequent flyer number (if applying for a Rewards card)
- Your balance transfer credit card details (if applying for a Balance Transfer).
If you’re an existing Westpac customer, you’ll also need to:
- Apply as an existing customer in the application form, which includes logging in to your account
- Once logged in, double-check that your personal details (name, address etc) are up-to-date. If not, log in to internet banking to update them.
Any errors in the details you provide could delay your process, or even mean you are declined. Again, checking against your credit report can help here.
Every time you apply for any form of credit, your credit history is checked by the credit provider. This is listed as an enquiry on your report. Multiple applications can be seen as a red flag and reduce your chances of approval.
Things you should know
Credit criteria, fees and charges apply. Switches, upgrades or Westpac group staff are ineligible.This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Balance transfers into the Westpac Lite Card are not available.
1 SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions (PDF 1MB) available at westpac.com.au. The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See Westpac SmartPlan Terms and Conditions (PDF 51KB) for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.
Read the Apple Pay Terms and Conditions (PDF 1MB) 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.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.