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A simple credit card with fewer fees plus our lowest variable interest rate on purchases
 9.90% p.a.

The important numbers

Westpac Lite card
  • Variable purchase rate: 9.90% p.a.
  • Monthly card fee: $9
  • Foreign transaction fee: 0%
  • Variable cash advance rate: cash advances not available

Here's why you'd choose our Lite card

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


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.1

Things you should know

Credit criteria, fees and charges apply. Offers are not available in conjunction with any special offers that are not listed on 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 Offer may be withdrawn or extended at any time.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.

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

1. 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.

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

This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.