Our verdict

Offers a low interest rate and no foreign transaction fees, with a $9 monthly fee.

The Westpac Lite is a simple, low rate credit card that also offers no foreign transaction fees when you're overseas or shopping online. In comparison, some credit cards (and debit cards) charge a fee worth around 3% of each transaction you make in a foreign currency – which can add up.

The Westpac Lite also offers up to 45 interest-free days on purchases when you pay your monthly balance in full. Unlike most credit cards in Australia, it charges monthly fees rather than an annual fee. The cost of these monthly fees adds up to $108 per year. So keep that in mind when you're comparing other cards.

Pros

0% foreign transaction fees
$0 fee for missed payments
Low purchase interest rate of 9.9% p.a.
1 additional cardholder at no extra cost

Cons

Only offers up to 45 days interest-free on purchases as opposed to other cards that offer up to 55 days
No rewards points or complimentary insurances

The Westpac Lite Card is suited to people who want simple, low-cost features. It has a 9.9% p.a. interest rate for purchases, which is one of the lowest ongoing purchase interest rates for credit cards issued by the Big Four banks in Australia.

This card also offers 0% foreign transaction fees, $0 late payment fees and cashback offers from Westpac Extras with popular retail brands, travel services and more.

Details

Product details

Product Name	Westpac Lite Card
Purchase rate p.a.	Purchase rate p.a.9.9%
Interest-free days	Up to 45 days on purchases
Min credit limit	$1,000
Max credit limit	$20,000
Card type	Mastercard

Eligibility

Available to temporary residents	Yes - Conditions apply
Minimum income	$30,000
Joint application	No

Rewards

Bonus points

N/A

Fees

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

Congratulations, Westpac!

The Westpac Lite Card was highly commended for Best No FX fees Credit Card in the 2025 Finder Awards.

Full list of 2025 winners

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 can apply if you are a citizen or have permanent residency in Australia or New Zealand. If you're not a permanent resident, you need to hold an acceptable visa with at least 1 year left before expiry.
Income. You must have a regular Australian taxable income that Westpac can verify.

Required documents

Age. You must be at least 18 years old to apply.
Personal details. This includes your full name, date of birth, street address, email address and phone number. You'll also need to include your relationship status and details of any dependants.
Proof of identification. Your Australian driver's licence, Medicare card or Australian passport.
Employment. Includes your current job, salary, length of employment and your employer's contact details. You also need to provide recent payslips or other proof of regular income.
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.

Go to Westpac's site More info

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. This can save you around 2-3% compared to cards that charge a foreign transaction fee.
Westpac Extras. This perk gives you access to personalised cashback offers by email. Just shop as usual and Westpac will credit your account when you meet an offer's requirements.

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. Westpac offers real-time checks to help spot suspicious transactions, a Fraud Money Back Guarantee and Westpac Added Online Security at participating stores online. You can also get a Westpac Digital Card through the app, with a CVC security number that changes every 24 hours to help protect your card against fraud.

Rates & fees

Purchase interest rate. This card has a low variable interest rate of 9.9% p.a. for purchases.
Interest-free days. This card offers up to 45 interest-free days interest-free on new purchases when you pay your monthly payment balance in full by the payment due date. This amount excludes current balance transfers but includes the monthly card fee and is listed on your statement. Note that interest-free days are separate from any longer-term interest rate promotions.

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.

Go to Westpac's site More info

Sources

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Amy Finder

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Damien

March 16, 2025

Does this card do balance transfers

Richard Whitten Finder

March 16, 2025

Hi Damien,

I just checked Westpac’s site and tried the application process – it says no balance transfers on this one.

Manni

January 08, 2025

If I top up card on my travels

As $0 foreign currency fees

If I deposit $10k cash so in debit , do any ATM fess apply on this cash I withdraw?

Angus Kidman Finder

January 12, 2025

Hi Manni, As the Westpac Lite card doesn’t allow advances, you might not be able to use extra credit added to the card. In general, ATM fees will apply to withdrawals outside Australia with this card – the exact fees will depend on the ATM operator.

Stephen

July 17, 2024

What do self-funded retirees need to do to get a credit card?

Sarah Megginson Finder

July 17, 2024

Hi Stephen,

The bank will want to see evidence of your income in order to ascertain that you have capacity to repay the debt. This might be in the form of rental statements from real estate agents if you have investment properties; distribution statements showing money being paid from funds and allocated pensions; bank statements showing interest etc.

Hope this helps!

Show more Show less

Wilfred

February 09, 2024

Can you get cash advances?

Sarah Megginson Finder

February 15, 2024

Hi Wilfred, Cash advances are not available with this card.

Peter

July 26, 2023

Can the Westpac Lite Card be loaded onto a phone?

Richard Whitten Finder

July 27, 2023

You can add it to your Westpac mobile wallet.

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full profile

Westpac Lite Card

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Congratulations, Westpac!

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