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.
How does a Westpac credit card help me?
Pay your way
Tap and pay quickly and easily using Visa PayWave, Fitbit Pay, Google Pay and Samsung Pay.
Plan smarter repayments
Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.1
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.
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. |
Things you should know
Consumer Credit Cards - Conditions of Use (PDF 304KB)
Find out what information you need to provide to become a customer (PDF 768KB)
Balance transfers into the Westpac Lite Card are not available.
In respect of Westpac credit card applications started after 1 March 2019:
- All approved credit cards will be Mastercard branded
- The “55 Day Classic” card will be withdrawn from sale and replaced by the “Westpac Low Fee” card, and
- The “55 Day Platinum” card will be withdrawn from sale and replaced by the “Westpac Low Fee Platinum” card
Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades or Westpac group staff are ineligible. Offer may be withdrawn or extended at any time. Terms and conditions available on request.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
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. Fees may apply with some SmartPlans.
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Westpac is the credit provider and credit licensee under National Consumer Credit Laws.