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Why Westpac Lite Card?

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

Westpac Lite card

Simple fee structure
A monthly card fee and fewer transaction fees than other Westpac credit cards.


Low variable interest rate
Pay an interest rate of only 9.90% p.a. on purchases you make with the card.

Interest free days
Up to 45 days interest free on purchases when you pay the closing balance by the statement due date each month. Remember – you must pay the monthly fee each month, even if you don’t make any purchases, to access interest free days.

Additional cardholder
Add one additional cardholder (16 years or older) at no extra cost.+

More reasons to choose a Westpac credit card

When you combine your Westpac Lite Card with our online banking experience, you can:

  • See your card balance at a glance with Quick Balance
  • Log in quickly and securely using fingerprint login
  • Leave your card at home and tap and pay with a Mobile Wallet
  • Make automatic credit card repayments easy, with Card Autopay
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds

Rates and fees

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 $7.50 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.


Not right? Try this

Our Low Rate Card offers a higher credit limit and lower card fee per year.

Find out more

Things you should know

Credit criteria, fees and charges apply.

Consumer Credit Cards - Conditions of Use (PDF 186KB)

Find out what information you need to provide to become a customer (PDF 768KB)

+The account holder (primary cardholder) is liable for all transactions made on the primary card as well as the transactions made on any additional cards associated with the account.

Balance transfers into the Westpac Lite Card are not available.

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.

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

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

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