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At a glance

$9 Monthly card fee ($108 per annum) 
9.90% p.a.   Variable purchase rate
$500 Minimum credit limit 
$4,000 Maximum credit limit
$30,000 p.a. Minimum income required
0% Foreign transaction fee

See below for standard rates and fees.


Why choose the Westpac Lite card?

Our lowest card purchase rate

Having our lowest credit card interest rate on purchases helps you save on interest charges in those months you don’t repay the full amount. 

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. No need to wait for a physical card.

No fees on foreign transactions

Even if you’re not travelling, this can save you when you’re shopping online with a foreign merchant.

Other reasons to choose

You don’t need a rewards card to get rewarded. Westpac Extras includes personalised cashback offers sent directly to your email. Simply use your card as normal and we’ll automatically credit your account.

Think of this $9 monthly fee as a subscription to credit card convenience. This works out to $108 p.a.

From verifying suspicious transactions to our fraud money back guarantee, we aim to keep you protected.

Manage your repayments with options like SmartPlan1Card Autopay and SMS payment reminders.

Could this credit card be suitable for you?

It could be if:

  • You don’t repay your purchases in full each month (taking advantage of our lowest card purchase interest rate)
  • You want credit card convenience and features


There may be better options if:

Variable interest rate on purchases 9.90% p.a.
Cash advance fee Cash advances not available
Monthly card fee $9
Foreign transaction fee 0%
Missed payment fee $0
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.

Alternative credit cards

Westpac Low Rate card

One of our lowest interest rates on purchases, up to 55 days interest-free and a $59 annual card fee.

Find out more about Westpac Low Rate card

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.

Before you apply

Follow this section to improve the likelihood your application is approved. 

You’ll be assessed on your ability to repay the money you borrow. Three things you can do to help:

  1. Make sure you’re meeting your current repayment obligations for

    - other credit cards or loans (including lenders such as afterpay and zip pay)

    - rent as well as utilities such as your phone, internet and electricity.

2. Check the details on your credit report are correct before applying. Head to and follow the links to a free credit report. More about credit reports.

3. Don’t make multiple applications (with us or any other lender). Every application is listed as an enquiry on your credit report. Too many can be seen as a red flag and reduce your chances of approval.

Make sure you have everything in the list below:

  • Current debts in your name (e.g. home loan, personal loans, other credit or store cards as well as instalment purchases such as zip pay) 
  • Proof of income. If your pay doesn’t already go into a Westpac account, you’ll need to show at least one of the following:

    o Two payslips from your main employer from the last two months

    o A Government Authority statement from the last two months confirming your pension or           allowance

    o Rental income proof covering the last three months

    o Self-employed? You’ll need to show you’ve been in business for at least 18 months, the             last two months’ business bank statements and last year’s Notice of Assessment. 

  • All your regular monthly expenses (including phone bills, insurances etc.)
  • Your frequent flyer number (if applying for an Altitude Qantas or Altitude Velocity card)
  • If you want to transfer the balance of another account or credit card, we’ll need those details too.

If you’re already a Westpac customer, you’ll also need to:

  • Sign into online banking to double-check your personal details (name, address etc) are up-to-date
  • Apply as an existing customer in the application form
  • We will have answered some of the basic questions such as personal details (name, address etc) on your application for you. Check that they’re correct.

Additional eligibility criteria or documentation may be required.

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 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 503KB) available at 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 Credit Card Terms and Conditions (PDF 227KB) 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 on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

Read the Apple Pay Terms and Conditions (PDF 79KB) 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.