Considerations
- The ongoing monthly fee will cost more over a year than the annual fees on our Low Rate and Low Fee cards
- No rewards points or complimentary insurances
- No cash advances or balance transfers or access to PartPay.
What you're applying for
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Westpac Lite Card
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Summary
Let's recap on your choice of a Westpac Lite Card.
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Overview
Our credit card that provides access to a revolving credit facility to make payments with a lower purchase interest rate and no foreign transaction fees.
The important numbers
The following standard credit card interest rates, annual card fees and credit limits apply for the new card:
- Minimum credit limit of $1,000
- Monthly card fee of $9 ($108 annually)
- Variable purchase rate of 9.90% p.a.
- 0% foreign transaction fee
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Eligibility and what you'll need
You must be
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Aged 18 or over AND
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Live at a fixed Australian address AND
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Receive a regular and verifiable Australian taxable income AND
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Meet ONE of the following three requirements
- Be an Australian or New Zealand citizen OR
- Be an Australian permanent resident OR
- Hold a valid temporary residence visa with a minimum of 1 year before expiry. See eligible Australian visa
You'll need to provide
- Proof of income
- Current debts and expenses
Two of these ID documents
- Passport
- Australian drivers' license
- Medicare card
- Australian birth certificate
Confirm to start your application
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Yes, I am ready to apply
No, I want to look at something else
Apply now
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Other options
Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
- You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
- You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
- You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.
Things you should know
Westpac Credit Cards Key Facts Sheet
Credit Card Terms and Conditions
ID checklist to become a customer
Westpac Extras Terms and Conditions
Credit criteria, fees and charges apply. Credit Card Product Switches or upgrades 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 and Flex cards are not available.