Westpac Lite Card

credit card

Lite Card is a credit card from Westpac, as the bank publishes it in its product data. Its purchase rate is 9.90% and its card fee $108 a year ($9 a month). It ranks 6th of 52 issuers for a personal card by lowest purchase rate.

What the feed states

Purchase rate

9.90%

Interest-free days

up to 45

Card fee

$108 a year ($9 a month) (Monthly Card Fee)

Foreign transaction fee

0% of the transaction

Digital wallets

Garmin Pay, Apple Pay, Google Pay, Samsung Pay

Additional cardholders

up to 1

Credit limit

$1,000 to $20,000

Minimum income

$30,000 a year

Minimum age

18

Scheme

Mastercard

Conditions and offers

• credit limit $1,000 to $20,000
• minimum income $30,000 a year
• cash advances not available
• balance transfers not available
• from 30 November 2026: purchase rate 9.90% to 11.99%, card fee $9 to $10 a month, minimum payment 2.5% or $25
• card fee rises to $10 a month from 30 November 2026

Who can apply, in the bank's words

• Customer having a regular, verifiable Australian taxable income.
• Customer having a fixed, verifiable residential address in Australia.

About this card

Our Lite credit card has 0% foreign transaction fee, a lower purchase rate and lower monthly fee - designed for all things international.

Data

• Westpac's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees, eligibility.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-30.
• The issuer's Key Facts Sheet.
• /au/finance/credit-cards/v1/brands/westpac.json: this issuer's cards as JSON; Westpac's page lists them.
• The bank last updated this record on 2026-10-29; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at Westpac

• Altitude Black Rewards World Mastercard credit card, 23.98%, $295 a year
• Altitude Business Gold credit card, 20.24%, $150 a year
• Altitude Business Platinum credit card, 20.24%, $200 a year
• Altitude Qantas Black credit card, 23.98%, $295 a year
• Altitude Qantas Platinum credit card, 23.98%, $175 a year
• Altitude Rewards Platinum credit card, 23.98%, $175 a year
• Altitude Velocity Black credit card, 23.98%, $295 a year
• Altitude Velocity Platinum credit card, 23.98%, $175 a year
• BusinessChoice Everyday credit card, 14.25%, $75 a year
• BusinessChoice Rewards Platinum credit card, 20.24%, $150 a year
• Low Fee Card credit card, 20.99%, $30 a year
• Low Rate Card credit card, 13.74%, $84 a year