Westpac Lite Credit card
Our Lite credit card has $0 foreign transaction fees, a low purchase rate and low monthly fee — perfect for all things international.
Why choose the Lite card?
$0 foreign transaction fees
Shop smarter and stretch your holiday budget further by avoiding foreign transaction fees.
Low rate
Access credit at a low variable purchase rate of 9.90% p.a. – perfect for those months you don't repay the full amount.
Cashback & discounts
Gear up for your trip away and earn bonus Cashback and rewards through ShopBack and Westpac Rewards.
Fraud protection
Travel with confidence knowing that your money is safe with our fraud money back guarantee3.
Rates, minimum requirements and fees
| $9 | Monthly card fee |
| 9.90% p.a. | Variable purchase rate |
| $1,000 | Minimum credit limit |
| $20,000 | Maximum credit limit |
| $30,000 p.a. | Minimum income required |
| 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.
More reasons to choose
Up to 45 days interest-free: to give you more opportunity to avoid interest charges on your purchases2. Note cash advances aren’t covered by this interest-free period.
Low monthly card fee: think of this $9 monthly fee as a subscription to credit card convenience whilst you’re both overseas and at home. This works out to $108 p.a.
No card? No problem: on top of Apple Pay, Samsung Pay and Google Pay, you can activate and use our Instant Digital Card from the moment your account is opened.
Tools to stay on top: Manage your repayments on the go with options like SmartPlan1, Card Autopay and SMS payment reminders.
Frequently asked questions
A foreign transaction fee is a fee charged as a percentage of the Australian dollar value of any Foreign Transaction (including transactions in a foreign currency, or in any currency with a merchant processing entity located outside Australia). Foreign Transaction Fees do not apply to the Westpac Lite card.
You can add 1 additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions made with either card.
SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments1.
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 $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. 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 Guarantee3 ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly.
No, you don't. On top of Apple Pay, Samsung Pay and Google Pay, you can use our Instant Digital Card from the moment your account is opened. There is no need to wait for a physical card.
Help when you need it
Using a credit card overseas
Credit cards are widely accepted in most countries so you don’t need to carry as much cash. You also have the added reassurance that if your card is lost or stolen while away, we'll get a replacement card couriered to you and even provide emergency cash if required.
Things you should know
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 eligible 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. Note: 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. 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 Credit Card Terms and Conditions (PDF 264KB) 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.
2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.
Read the Apple Pay Terms and Conditions (PDF 42KB) 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.
Read the Samsung Pay Terms and Conditions (PDF 63KB) (PDF 63KB) before making a decision and consider if it is right for you. Available for eligible cards. To use Samsung Pay you will need to use a compatible phone with a supported operating system.
Internet connection may be needed to make payments using Samsung Pay and normal mobile data charges apply.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.
Internet connection may be needed to make purchases using Google Pay and normal mobile data charges apply.
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.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.