Westpac Lite Card

9.90% p.a.

No current offer


Westpac Lite Card Review

Rates and fees information correct as at 19 July 2018.

Review published: 3 July 2017

What's hot:

  • 9.90% purchase rate

  • Multiple 2018 Mozo Experts Choice Award winner

  • Zero foreign transaction fees

  • $0 late payment fee

What's not:

  • $9 ongoing monthly fee

  • No balance transfers

Mozo snapshot:

The newly launched Westpac Lite Card certainly is light on interest rate charges and fees! It comes with a 9.90% purchase rate (the lowest rate of any big bank credit card) and no late payment or foreign exchange fees whatsoever - part of the reason why it took out two 2018 Mozo Experts Choice Travel Money Awards in the best Travel Credit Card and best Low Rate Travel Credit Card Credit categories. Limits can range from $400 to $4,000 so it’s a great option for moderate spenders.

Key features:

Westpac’s Lite Card is the bank’s lowest rate credit card on offer at only 9.90%. Unlike most credit cards, it doesn’t have a lump sum annual fee, instead you’ll pay monthly fee of $9 for the card. You’ll get up to 45 days interest free (as long as you pay your balance in full each month) and you can add a second cardholder free of charge if you choose.

The Lite card comes with microchip functionality so you can Tap and Go to make purchases under $100.

It is a great card to use for travel or shopping online at overseas stores as there is no foreign exchange fees, which on other cards can be as high as 3%. 

The good news is that if you accidentally miss your credit card due date you won’t be slugged with late payment fees. But don’t use this as an excuse, late payments still get recorded on your credit file so it is best to set up a direct debit from your bank account on the due date.

Who it's good for:

The Lite Card is good for Aussies who want a no frills low rate credit card that they can use overseas, without having to pay high foreign exchange fees.

Any catches?

If you’re looking to transfer existing debt over to a Westpac Lite Card, keep in mind that it does not offer this option. There isn’t a cash advance feature either, so you may want to store a backup in your wallet for emergency cash withdrawals.

While you won’t get charged a lump sum annual fee with the Lite Card, you will be paying $9 a month to keep the card active which works out to be $108 over 12 months. If you do pay off your balance in full each month or want a card with a higher credit limit you might be better off opting for Westpac’s Low Rate Card or check out no annual fee cards in our database.

How are Westpac credit cards rated by the Mozo community?

Product Type Overall Rating Price Features Service Convenience Trust

Based on 1431
Westpac credit cards reviews

6.3 6.4 7.3 7.7 7.4

Read Westpac credit card reviews by the Mozo community

Latest review of Westpac Lite Card


Westpac Lite Card credit card review

Overall rating   5 / 10


Quite happy with it.

Full review

Quite happy with it.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   5 / 10


Paul (NSW), reviewed 7 months ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.


  • 9.90% p.a.

  • none

  • No current offer

  • none

  • none

  • 45


  • $108.00

  • none

  • none

  • none

  • $0.00

  • none

  • 0%

  • $2.00

  • none

  • $0.00

Other financial bits

  • $10.00

  • 2.0


  • 1

  • none

  • none

About Westpac

As Australia's first bank, Westpac has been serving customers since 1817. Westpac merged with St.George to create Australia's largest financial services company, and customers can enjoy from peace of mind from having the security offered by a major bank behind them. Check out Westpac's range of banking products such as savings accounts, home loans, personal loans, credit cards and other financial services such as its car and home and contents insurance.

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

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