Important disclosure
Westpac Lite Card
Purchase Rate
Purchase Rate
9.90%
p.a
Balance Transfer Rate
Balance Transfer Rate
Not Applicable
Purchase Rate
9.90%
p.a
Balance Transfer Rate
Not Applicable
Annual Fee
$108
Promoted credit cards
Promoted
Low Rate (Credit Back Offer)
special
Get $250 back to your new card when you spend $1,500 on eligible purchases in the first 3 months from approval.Purchase Rate
13.74%
p.a
Annual Fee
$58
Pros and cons
For Lite Card
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- Ability to convert large purchases into instalment plans
- Apple Pay, Google Pay and Samsung Pay available
Drawbacks
- No reward program
- No balance transfer
- Does not offer free supplementary cards
Westpac Rate Credit card overview
For Lite Card
Details
Card Level Standard | Card Type MasterCard |
Interest Free Days Interest Free Days 45 | Minimum monthly repayment 2% or $10 |
Minimum credit limit $1k | Maximum credit limit $20k |
Free supplementary cards | Instant Approval |
Target Market Determination Visit Westpac Banking Corporation Ltd to view Target Market Determination. |
Fees
Annual Fee Annual Fee $108 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $0 |
Over limit fee $0 | Duplicate statement fee $2 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 9.90% p.a |
Cash advance rate |
Cash advance fee |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate Not Applicable |
Transfer Limit |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee |
Overseas charges Overseas charges |
Estimated ATM Cost - |
Rewards
Program name |
Rewards Available |
Eligibility
Minimum age 18 |
Minimum income $30k |
Eligibility conditions You have a regular, verifiable income |
Residency Australia Citizen, Permanent Resident |
Other Restrictions
Balance Transfer and Cash Advance not available
