Westpac Lite Card
Shopping online or travelling overseas - Pay no foreign transaction fees and get our lowest purchase rate with the Westpac Lite Card.
- Purchase rate
- 9.9%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase Interest on purchases · Interest free days may apply | 9.9% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Card Fee Charged monthly · $9 monthly card fee | Ongoing | $9.00 |
| Foreign Transaction Fee No foreign transaction fees. | Transaction | 0% of transaction |
| Missed Payment Fee | Late payment | $0.00 |
| Overlimit Fee $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012. | Event | $0.00 |
| Credit Card Surcharge In some instances, businesses may administer a ?surcharge? for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you?re unsure. | Purchase | Variable |
Features
- Additional cards — up to 1
- You can add one additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions made with either card.
- Interest-free period — 45 days
- Digital wallet — Garmin Pay
- Tap and pay quickly and easily using Garmin Pay.
- Digital wallet — Apple Pay
- Tap and pay quickly and easily using Apple Pay.
- Digital wallet — Google Pay
- Tap and pay quickly and easily using Google Pay.
- Digital wallet — Samsung Pay
- Tap and pay quickly and easily using Samsung Pay.
Eligibility
- Minimum age — 18 years18+ years old
- Residency status — Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
- Minimum income — $30,000.00 p.a.Earn a minimum $30,000 per annum
- Customer having a regular, verifiable Australian taxable income.
- Customer having a fixed, verifiable residential address in Australia.
Constraints
- Minimum limit — $1,000.00
- Maximum limit — $20,000.00
More Information
Published by Westpac under the Consumer Data Right · Last updated 13 July 2026 · Product ID CCLite · View on CDR.gov.au