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.

It also charges no foreign transaction fees, no late payment fees and offers Mastercard benefits including contactless and mobile payments.

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Sally McMullen

Last Updated May 7, 2020

9.9% p.a.

Purchase rate

$108 p.a.

Annual fee

45 days

Interest free period

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Details

Product Name	Westpac Lite Card
Purchase rate p.a.	9.9%
Annual fee	$108
Interest-free period	Up to 45 days on purchases
Min credit limit	$500
Max credit limit	$4,000
Card type	Mastercard
Foreign currency conversion fee	0%

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.

Bonus points	N/A

Annual fee	$108
Minimum monthly repayment	2% of the closing balance or $10, whichever is greater
Late payment fee	$0
Foreign currency conversion fee	0%
Additional cardholder fee	$0
Number of additional cardholders	1

Review by

Sally McMullen

sally.mcmullen@finder.com.au

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.

The card charges monthly fees rather than an annual fee which is a unique feature that could benefit someone who wants to use the card for less than a year. With no foreign transaction fees, the Westpac Lite could also benefit someone who regularly travels or shops online with international merchants.

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.

Required documents

Personal information. This includes your full name, date of birth, street address, email address and phone number. You'll also need to include your marital status and details of any dependants.
Proof of identification. Including your Australian driver's licence, Medicare card or Australian passport.
Employment. Such as your current job, salary, length of employment and your employer's contact details. You also need to provide recent employment history.
Finances. You'll need to confirm your income and provide copies of recent bank statements or payslips. You'll also need to include information regarding any assets (such as savings or shares), existing loans and debts as well as an estimate of your monthly personal expenses.

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.

Contactless payments. You can tap and pay with this card for payments under $100. You can also make payments from a supported mobile device through Westpac's Mobile and Tablet Banking apps. You can also link your account with Fitbit Pay, Garmin Pay, Apple Pay, Google Pay or Samsung Pay to make contactless payments with your eligible device.
Security features. This card offers a Fraud Money Back Guarantee and Westpac Added Online Security at participating stores online.

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.

Monthly fee. This card charges a $9 monthly fee.
Additional cardholders. You can request 1 additional cardholder (aged 16 or over) at no extra cost.
Minimum payments. To keep this account in good standing, you must pay at least 2% of your outstanding balance by the due date on each statement. If your balance is less than $10, you must pay the full balance for that statement.

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6 Comments

Jess
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?

Reply
- Ash
  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.
  
  Cheers,
  Ash
  
  Reply
Tom23
December 4, 2018

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

Reply
- finder Customer Care
  
  Jeni
  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!
  
  Cheers,
  Jeni
  
  Reply
Bruce
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.

Reply
- Arnold
  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
  
  Cheers,
  Arnold
  
  Reply

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Westpac Lite Card