Westpac
Westpac Lite Card
Our Lite credit card has 0% foreign transaction fee, a lower purchase rate and lower monthly fee - designed for all things international.
Credit cardsBank updated 2 Sept 2026
At a glance
- Purchase rate
- 9.90%
- Interest-free days
- 45
- Foreign transaction fee
- 0.00%
- Rewards
- Westpac Lounge on ShopBack
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| PurchaseInterest on purchases | — | — | — | 9.90% | — | Interest free days may apply |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Overlimit Fee | Event | No 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. |
| Missed Payment Fee | Late payment | No fee | — | — |
| Monthly Card Fee | Periodic | $9 | Every 1 mo | $9 monthly card fee |
| Credit Card Surcharge | Purchase | Varies | — | 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… |
| Foreign Transaction Fee | Transaction | 0.00% of transaction | — | No foreign transaction fees. |
§ 03 — Features
Extra repaymentsDigital bankingFraud protection45 interest-free days1 additional cardsGarmin PayApple PayGoogle PaySamsung PayWestpac Lounge on ShopBackWestpac Extras
- · Click to Pay - Online shopping made quick, simple and secure with Click to Pay.
- · 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.
- · 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 C…
- · 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 de…
- · 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…
- · 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 car…
- · Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: 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
- · Amount $1,000 to $20,000
- · Customer having a regular, verifiable Australian taxable income.
- · Customer having a fixed, verifiable residential address in Australia.
§ 06 — Run the numbers
Put this product through a calculator
Published by Westpac under the Consumer Data Right, last changed by them on 2 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.