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The important numbers

Ongoing monthly card fee $9 ($108 annually)
Variable purchase rate 9.90% p.a. 
Variable cash advance rate N/A
Foreign transaction fee 0%
Minimum credit limit $1,000
Maximum credit limit $20,000

New cards only

What you'll get

  • A lower interest rate on purchases than our Rewards and Low Rate cards
  • No fees on foreign transactions (including for online purchases)
  • Up to 45 days interest-free on purchases²
  • No late payment fees (though interest will still be charged)


  • The ongoing monthly fee will cost more over a year than the annual fees on our Low Rate and Low Fee cards
  • You can’t make cash advances (including cash withdrawals)
  • You can’t transfer balances from other credit cards or store cards
  • No rewards points or complimentary insurances
  • No access to PartPay (a feature allowing you to split purchases into 4 payments over 6 weeks)

Check whether you’re more likely to be approved

You must be

  • Aged 18 or over
  • An Australian citizen or permanent resident
  • Or a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
  • A fixed residential address in Australia  

Regular Income

A regular, verifiable Australian taxable income for at least 3 months (18 months for self-employed)

Regular repayments

You’re up-to-date with your regular repayments (rent or home loan, phone, other credit cards and loans etc.)

What you'll need

At least two forms of ID

Australian driver licence, Medicare card, Passport, Australian birth certificate (Have your mobile handy as we’ll be sending you verification codes).

Current debts

Home loan, personal loans, other credit or store cards as well as instalment purchases like Zip Pay.

Proof of income

Recent payslips, Government statements, rental income proof. For self-employed, recent business bank statements and previous ATO Notice of Assessment.

Still not sure what you need? Check our application documents page for all the details.

Check your credit history

Before applying you may like to confirm that your credit report is up-to-date. Head to and follow the links to a free credit report (subject to eligibility). More about credit reports.


Before continuing

A final check that this is the right credit option for you. 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

Credit criteria, fees and charges apply. Credit Card Product 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 and Flex cards are not available.

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.