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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 8 December 2023

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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

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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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Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.