Westpac Lite Card
Last updated:
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.
9.9% p.a.
Purchase rate
$108 p.a.
Annual fee
45 days
Interest free period
Details
| Product Name | Westpac Lite Card |
|---|---|
| Purchase rate (p.a.) | 9.9% p.a. |
| Annual fee | $108 p.a. |
| Interest free period | 45 days |
| Min credit limit | $500 |
| Max credit limit | $4,000 |
| Card type | Mastercard |
| Foreign currency conversion fee (Visa/Mastercard) | 0% |
| Complimentary travel insurance | No |
| Minimum age | 18 years of age |
|---|---|
| Available to temporary residents | Yes - Conditions apply |
| Joint application | No |
Pros
- 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.
Cons
- This card only has up to 45 days interest-free on purchases as opposed to other cards that offer up to 55 days.
| Annual fee | $108 p.a. |
|---|---|
| Minimum monthly repayment | 2% of the closing balance or $10, whichever is greater |
| Late payment fee | $0 |
| Foreign currency conversion fee (Visa/Mastercard) | 0% |
| Additional cardholder fee | $0 |
| Number of Additional Cardholders | 1 |
Expert review
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.
