Westpac Lite Card

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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


Product NameWestpac Lite Card
Purchase Rate9.9% p.a.
Annual Fee$108
Interest Free Period45 days
Minimum Credit Limit$500
Maximum Credit Limit$4,000
Card TypeMastercard
Foreign Currency Conversion Fee (Visa/Mastercard)0%
Complimentary Travel InsuranceNo
Minimum Age18 years of age
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 days on purchases as opposed to other cards that offer up to 55 days.
Annual Fee$108
Minimum Monthly Repayment2% 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 Cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.

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. Enjoy up to 45 days interest-free on your purchases when you pay your account balance in full by the due date on each statement.
  • 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
    December 4, 2018

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

    • AvatarStaff
      December 10, 2018

      Hi Tom,

      Thank you for getting in touch with finder.

      Since you’re looking for no annual fee credit cards with no foreign transaction fees, kindly check out this page while this page is 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!


  2. 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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