Westpac Lite card
Shop overseas or online and pay zero international transaction fees with the low-fee Westpac Lite card.
- No fees on foreign transactions
- Up to 45 days interest-free
- Apple Pay, Google Pay & Samsung Pay support
Why we like the Westpac Lite card
The Westpac Lite card could be a great option if you’re looking for a card with low fees and a low minimum credit limit that you can use overseas. This card is ideal for international travel and online shopping because it has no international transaction fees.
This card has a relatively low purchase interest rate and a monthly fee of just $9, which works out to be $108 annually. The minimum income required to apply for this card is $30,000 per year.
Key Information & How to Apply
Key facts about this cards
- Annual fee
- $9 Monthly card fee
- Interest rate
- 9.90% p.a. variable interest rate on purchases
- Interest-free days
- Up to 45 days
- Minimum credit limit
- $1,000
- Minimum income requirement
- $30,000 p.a. minimum income required
- International transaction fee
- $0 foreign transaction fee
To apply for this card, you will need
- To be an Australian citizen, resident or long-term visa holder aged 18 or over
- $30,000 p.a. minimum income required
- Have a good credit history and no payment defaults
- Your Australian driver’s licence number and proof of income
- 10-15 minutes to complete your application
$0 foreign transaction fee
The Westpac Lite Card has no foreign transaction fees, making this card for overseas purchases or when travelling overseas.
Westpac offers and cashback
As a Card Member, you will receive personalised cashback offers from Westpac Extras. These offers are generally in the form of a statement credit when shopping at a participating retailer using your Westpac Lite Card. You are also eligible for a Westpac Bonus Cashback when you link your Westpac Lite card to your ShopBack account via the Westpac Lounge before you shop.. There are other discounts and offers from a wide range of shops, in-store and online also available.
Summary
Pros
- No foreign transaction fees
- Low annual fee
- Low minimum credit limit
Cons
- No point-earn
- No other benefits such as insurance
- No fees on foreign transactions
- Up to 45 days interest-free
- Apple Pay, Google Pay & Samsung Pay support
Frequently Asked Questions (FAQs)
To apply for a Westpac Lite credit card, you would need to be aged 18 or over and an Australian citizen, permanent resident or long-term visa holder. You’ll also need a residential address in Australia and a verifiable Australian taxable income over $30,000 p.a.
The minimum credit limit is $1,000.
Yes, you can link your Westpac Lite credit card to contactless payment solutions like Apple Pay, Google Pay and Samsung Pay.
Yes, you can add one additional cardholder aged 16 years or older at no extra cost.