--- title: "Westpac Lite Card — Westpac" description: "Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/westpac/products/CCLite source: "CDR Compare" language: en-AU last_updated: 2026-08-26T03:13:12Z --- # Westpac Lite Card — Westpac > Credit & Charge Cards from Westpac. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Credit & Charge Cards** Our Lite credit card has 0% foreign transaction fee, a lower purchase rate and lower monthly fee - designed for all things international. ## At a glance - **Purchase rate:** 9.9% ## Apply Applications are handled by the provider: [Apply at Westpac](https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card/summary) ## 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 | ## Instalment plans - **Plan splits** — 4 instalments - **Minimum plan value** — $100.00 ## 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.) - **Click to Pay - Online shopping made quick, simple and secure with Click to Pay.** - **Digital banking** (Digital Card - Unlock extra protection using the dynamic CVC on your digital Westpac debit or credit card. Add it to your digital wallet or use it) - **Notifications** — Know what to pay when - Set up Card Autopay or SMS payment reminders so you can stay on top of your spend and repayments. - **Loyalty program** — Westpac Lounge on ShopBack (Explore ShopBack offers from the Westpac app, or earn bonus Cashback when you shop via the Westpac Lounge on ShopBack. Terms & Conditions applies.) - **Loyalty program** — Westpac Extras (Helpful cashback offers with Westpac Extras - Enjoy cashback to your account on eligible transactions from well-known and loved brands ? from department stores and supermarkets to petrol stations, travel partners and more. Subject to Terms & Conditions, eligibility criteria applies) - **Extra repayments** (The product includes extra repayments) - **Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.** - **Buy online and overseas with confidence, with no foreign transaction fees.** - **Fraud protection** (Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.) - **Minimum repayments : 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.** - **You can use your Card to make a Purchase. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant or branch, you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone.** - **Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.** - **Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.** - **Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.** - **Want to bank with layers of defence? Explore the features of our everyday banking accounts. Start your banking today to find out how the Westpac Digital card with dynamic CVC can help protect you.** - **Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.** - **Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.** ## Eligibility - **Minimum age** — 18 years (18+ 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 from Westpac - [Overview](https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card) - [Terms & conditions](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) - [Eligibility](https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card) - [Fees & pricing](https://www.westpac.com.au/credit-cards/low-rate-cards/westpac-lite-card) ## Data provenance - Published by Westpac under the Consumer Data Right - Product ID: `CCLite` - Last updated by the provider: 26 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/westpac/CCLite - Provider page: https://www.cdrcompare.au/brands/westpac - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000002 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/westpac/products/CCLite) — product data published by Australian data holders under the Consumer Data Right. 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