What you're applying for
Let’s recap on your choice of a Westpac Lite card
Westpac Lite Card
Our credit card that provides access to a revolving credit facility to make payments with a lower purchase interest rate and no foreign transaction fees
The important numbers
The following standard credit card interest rates, annual card fees and credit limits apply for the new card:
- Minimum credit limit of $1,000
- Monthly card fee of $9 ($108 annually)
- Variable purchase rate of 9.90% p.a.
- 0% foreign transaction fee
Eligibility and what you'll need
Considerations
- The ongoing monthly fee will cost more over a year than the annual fees on our Low Rate and Low Fee cards
- No rewards points or complimentary insurances
- No cash advances or balance transfers or access to PartPay
Other options:
Credit cards are a secure payment method for short-term borrowing needs such as everyday purchases or unplanned expenses, with some cards offering additional features like rewards. However, there are instances where it might be worth considering another form of credit:
- You have a longer-term or specific borrowing need, like a car or home renovations. In this case, view our Personal loans
- You want a repayment schedule with fixed repayments and a defined loan end-date. In this case, view our Personal loans
- You need ongoing help with short-term cashflow (and if applying online, already have a Westpac Home Loan, or paid your income into one of our transaction or savings accounts for over six months). In this case, view our Flexi Loan.
Things you should know
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
Balance transfers into the Westpac Lite and Flex cards are not available.