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Westpac Lite Card

Keep your credit card costs down with a low interest rate of 9.9% p.a., up to 45 days interest-free and no foreign transaction fees.

The Westpac Lite Card gives you simple and affordable access to credit, with the bank’s lowest variable interest rate for purchases and credit limits that range from $500 to $4,000.

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9.9% p.a.

Purchase rate

$108 p.a.

Annual fee

45 days

Interest free period

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Product NameWestpac Lite Card
Purchase rate p.a.9.9%
Annual fee$108
Interest-free periodUp to 45 days on purchases
Min credit limit$500
Max credit limit$4,000
Card typeMastercard
Foreign currency conversion fee0%
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% foreign transaction fees
  • $0 fee for missed payments
  • A low interest rate of 9.9% p.a. on purchases
  • You can request 1 additional cardholder at no extra cost.


  • This card only has up to 45 days interest-free on purchases as opposed to other cards that offer up to 55 days.
Bonus pointsN/A
Annual fee$108
Minimum monthly repayment2% of the closing balance or $10, whichever is greater
Late payment fee$0
Foreign currency conversion fee0%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Westpac Lite credit card is suited to people who want to minimise their card costs with a low purchase interest rate. It has one of the lowest standard purchase interest rates among credit cards issued by one of the Big Four banks.

How to apply

You can apply for the Westpac Lite Card online in 10 minutes and receive a response in 60 seconds.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • 0% foreign transaction fees. If you use the Westpac Lite overseas or online with an international retailer, you won't have to pay a foreign transaction fee.
  • No missed payment fee. While it's ideal to make payments on time, you won't be charged a fee with this card if you miss the due date on a statement.

Rates & fees

  • Interest-free days. When you pay your monthly payment balance in full, which excludes current balance transfers but includes the monthly card fee, listed on your statement by the payment due date, you will receive up to 45 days interest-free on new purchases. Note that interest-free days are separate from any longer-term interest rate promotions.
  • Purchase interest rate. This card has a low variable interest rate of 9.9% p.a. for purchases.

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  1. Default Gravatar
    February 8, 2020

    Hi, to be eligible for the Westpac lite card, is there a minimum amount that I have to earn a year? And does having ongoing Afterpay instalments affect my credit rating/my chances of getting a credit card?

    • Default Gravatar
      February 8, 2020

      Hi Jess,

      Thank you for contacting Finder.

      There is no specific annual income required to be able to apply for the Westpac Lite Credit Card though you need to provide documents to prove your employment information such as current job and salary.

      Regarding your Afterpay Instalments, if you are not missing any repayments, it should not negatively affect your credit rating. As part of the card’s requirements, you need to declare your debt/s and your estimated monthly expenses.

      A friendly reminder that before submitting your final application for the above Credit Card, make sure that you have read and understood its PDS as well as the Terms and Conditions.

      I hope this helps.


  2. Default Gravatar
    December 4, 2018

    Looking for a low fee credit card with no international transaction fees. Cheap yearly cost or initial fee.

    • Avatarfinder Customer Care
      December 10, 2018

      Hi Tom,

      Thank you for getting in touch with Finder.

      You may want to refer to our list of no annual and foreign transaction fee credit cards as well as our page for low rate credit cards.

      Please make sure though to read the eligibility criteria, features, and details of the card, as well as the relevant PDS/T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!


  3. Default Gravatar
    January 14, 2018

    I am a Westpac customer holding a Mastercard. I’m heading overseas for 4 months. I would like to know if the Westpac Lite card is a good option to help avoid foreign transaction fees and ATM withdrawal fees.

    • Default Gravatar
      January 15, 2018

      Hi Bruce,

      Thanks for your inquiry

      Yes, If you use the Westpac Lite overseas or online with an international retailer, you won’t have to pay a foreign transaction fee. Although, you have to pay 2% for Overseas Cash Advance Fee.

      Hope this information helps


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