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.
Interest free period
|Product Name||Westpac Lite Card|
|Purchase rate||9.9% p.a.|
|Interest-free period||Up to 45 days on purchases|
|Min credit limit||$500|
|Max credit limit||$4,000|
|Foreign currency conversion fee||0%|
|Available to temporary residents||Yes - Conditions apply|
- 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.
|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|
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.
How to apply
You can apply for the Westpac Lite Card online in 10 minutes and receive a response in 60 seconds.
- Residency. You must be an Australian citizen or permanent resident.
- Age. You must be at least 18 years old to apply.
- 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.
- 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.