Westpac Lite Credit card
At a glance
| $9 | Monthly card fee ($108 per annum) |
| 9.90% p.a. | Variable purchase rate |
| $1,000 | Minimum credit limit |
| $20,000 | Maximum credit limit |
| $30,000 p.a. | Minimum income required |
| 0% | Foreign transaction fee |
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 fees on foreign transactions
Even if you’re not travelling, this can save you when you’re shopping online with a foreign merchant.
Cashback and discounts
With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
Take control of your money within the Westpac App
Powerful money management tools in the palm of your hand.
Get spend and cash flow insights
Track your month-to-month Cash flow and spot areas where you could be making savings with your spend sorted in Categories.
Manage your cards in one place
Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app’s convenient Cards Hub.
View and transfer funds fast
Quick Balance lets you view the balance of three main accounts and quickly transfer money without signing in.
| 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 |
| 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.
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 409KB) 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 273KB) 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.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.