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Two cards linked to one account

Westpac Altitude Black MasterCard rewards card

Extended

complimentary insurance

plus

Westpac Altitude Black American Express rewards card

Highest points

earn rates

Looking to activate your credit card?

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Special offer
  • Earn 80,000 bonus Qantas or Altitude Points when you spend $5,000 on eligible purchases with a new Altitude Black credit card within 90 days of card approval. Exclusions apply.
  • Discounted annual card fee to $250 for the first year, $395 thereafter. New Altitude Black cards only. Exclusions apply.

All special offers are for new cards only and are valid until 31st January 2018. See ‘Things you should know’ below.

 


Why Westpac Lite Card?

  • Keep your credit light with a limit of $500 to $4,000.
  • Enjoy our lowest interest rate on your card purchases.
  • No fees for foreign transactions or late payments.
  • Plan today for yesterday’s purchases – set up a repayment plan with SmartPlan.



Westpac Lite card

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

 

Low variable interest rate
Pay an interest rate of only 9.90% p.a. on purchases you make with the card.

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

Westpac Online Investing, see it in action with trading ideas.

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More reasons to choose a Westpac credit card

When you combine your Westpac Lite Card with our online banking experience, you can:

  • See your card balance at a glance with Quick Balance
  • Log in quickly and securely using fingerprint login
  • Leave your card at home and tap and pay with a Mobile Wallet
  • Make automatic credit card repayments easy, with Card Autopay
  • Take the hassle out of cancelling a card you later find, by placing a temporary lock on it in seconds

Rates and fees

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 $7.50 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.

 

Not right? Try this

Our Low Rate Card offers a higher credit limit and lower card fee per year.

Find out more

Fees
(these may change)
Amount
Annual card fee $59
Foreign transaction fee A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:
  1. Transactions in foreign currency
    • Visa: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Visa: 3.0%
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.
Cash advances/withdrawals fee

An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances.

Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge A charge of $15 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.
Over-limit fee If your card account was opened before 4 June 2012, a fee of $15 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.
Duplicate statement fee $7.50 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.

Follow these tips to minimise credit card fees and charges.

Transaction Interest rates
Purchases 13.49% p.a. (variable)
Cash advances 21.49% p.a. (variable)

Special balance transfer promotion:

See 'Things you should know' below for terms and conditions.

0% p.a. for 20 months on balance transfers requested at card application (a 2% balance transfer fee applies). The rate then switches to applicable variable cash advance rate.#

The share market

Thinking about buying some shares, but not sure how to get started?

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Things you should know

Credit criteria, fees and charges apply.

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.

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. Therefore debts accruing a higher interest rate maybe 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.

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

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

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