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Westpac Lite Credit Card

The Westpac Lite Credit Card offers . Ongoing benefits include a low ongoing interest rate, and no international transaction fees.


Updated 3 July 2025


Fact checked and verified. Updated 3 July 2025
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Expert Review

The Westpac Lite credit card is one of Westpac's low interest rate products. Featuring a competitive Purchase interest rate of 9.90% p.a., and including up to 45 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 5% lowest purchase rates. Further, the product has a $9 monthly fee. And for anyone who is planning on travelling or making purchases online from international companies, this product charges no foreign transaction fees, which can create significant savings.

Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive. Other benefits include no foreign transaction fees, which are commonly around 3 p.a., this product is great for anyone who makes overseas purchases online, or anyone planning on travelling overseas and no additional cardholder fees.

To get this offer, there will be certain eligibility criteria that you should be aware of before you apply.

Product Details
Keep it lite with our lowest card purchase rate, up to 45 days interest-free and no fees on foreign transactions."
- Westpac
Rewards

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No rewards program

Fees
Account Fees

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$9 monthly account fee

Additional Cardholder Fees

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No additional cardholder fee

•

Up to 1 additional cardholder

Transaction Fees

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No international transaction fee

Other fees may apply.

Rates

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9.90% p.a. variable purchase rate

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Up to 45 interest free days on purchases

Offers
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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Westpac website.

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