Important disclosure

Westpac Banking Corporation Ltd

Westpac Lite Card

  • Apple, Google & Samsung Pay
  • Instant approval
Purchase Rate

9.90%

p.a

Balance Transfer Rate

Not Applicable

Tags
  • Apple, Google & Samsung Pay
  • Instant approval
Purchase Rate

9.90%

p.a

Balance Transfer Rate

Not Applicable

Annual Fee

$108

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

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

$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

9.90%

p.a

Cash advance rate

Cash advance fee

Balance Transfer

Balance Transfer Rate

Not Applicable

Transfer Limit

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

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

Promoted credit cards

Promoted

Lower Purchase Rate

Low Rate (Credit Back Offer)

  • Apple, Google & Samsung Pay
  • Balance transfer
  • Low annual fee

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

Promoted

Lower Annual Fee

Bluey Card

  • Balance transfer
  • No annual fee

Balance Transfer

0% balance transfer for 12 months
Purchase Rate

12.49%

p.a

Annual Fee

$0

Promoted

More Free Days

Lifestyle

  • Apple & Google Pay
  • Balance transfer
  • No annual fee
Purchase Rate

4.99%

p.a

for up to 5 months, then 12.84%

Annual Fee

$0