Westpac Lite Card
9.90% p.a.
No current offer
$108
n/a
Westpac Lite Card
9.90% p.a.
No current offer
$108
n/a
Westpac Lite Card
9.90% p.a.
No current offer
$108
n/a
Mozo Review Westpac Lite Card Review
Last updated: 9 May 2019.
What's hot:
Multiple 2019 Mozo Experts Choice Awards
9.90% purchase rate
No 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 2019 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 $500 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.
Details
Rates and fees information correct as at 23 July 2019 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.Rates
-
9.90% p.a.
-
none
-
No current offer
-
none
-
none
-
45
Fees
-
$108.00
-
none
-
none
-
none
-
$0.00
-
none
-
0%
-
$2.00
-
none
-
$0.00
Features
-
$10.00
-
2.0
-
1
-
$4,000 maximum credit limit.
Payment options
Google Pay, Samsung Pay, Fitbit
Customer Reviews
How are Westpac credit cards rated by the Mozo community?
Latest reviews of Westpac Lite Card
- Overall9/10
Trustworthy
I’d recommend westpac to everyone.
Read full review
I’d recommend westpac to everyone.
Price6/10Features10/10Customer service-1/10Convenience10/10Trust10/10Less
Ian | Western Australia
reviewed 9 months ago
- Overall5/10
Happy
Quite happy with it.
Read full review
Quite happy with it.
Price5/10Features5/10Customer service5/10Convenience5/10Trust5/10Less
Paul | New South Wales
reviewed over 1 year ago
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.
Promoted
Qantas Money
Qantas Premier Everyday
0% p.a. for 12 months and then 21.99% p.a.
19.99% p.a.
$49 $29 in the first year
Promoted
Citi
Clear Platinum
0% p.a. for 14 months and then 21.74% p.a.
12.99% p.a.
$99 $0 in the first year
Promoted
CUA
Low Rate Credit Card
0% p.a. for 13 months and then 21.74% p.a.
11.99% p.a.
$49 $0 in the first year
Promoted
Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a.
19.99% p.a.
$299 $199 in the first year
Promoted
HSBC
Platinum Credit Card (Special Offer)
0% p.a. for 22 months and then 21.99% p.a.
0% p.a. for 12 months then 19.99% p.a.
$129 Refunded when you spend over $6,000 p.a
Promoted
Suncorp
Clear Options Platinum
0% p.a. for 14 months and then 21.99% p.a.
0% p.a. for 14 months then 20.74% p.a.
$129 $49 in the first year
Promoted
CUA
Platinum Credit Card
0% p.a. for 13 months and then 21.74% p.a.
19.99% p.a.
$149 $0 in the first year
Promoted
Qantas Money
Qantas Premier Platinum
1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped
19.99% p.a.
$299 $199 in the first year
Promoted
CUA
Platinum Credit Card
1 point per dollar on Mastercard, up to 100000 points per year
19.99% p.a.
$149 $0 in the first year
Promoted
Citi
Platinum (Purchase Rate Offer)
1 point per dollar on Visa, up to $10,000 per month
20.99% p.a.
$149 $49 in the first year
Promoted
Qantas Money
Qantas Premier Everyday
0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped
19.99% p.a.
$49 $29 in the first year
Promoted
ANZ
Rewards Travel Adventures Card
1.5 points per dollar on Visa, up to $2,000 per month, then
0.5 points per dollar on Visa, uncapped
20.24% p.a.
$225
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0.66 points per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
20.74% p.a.
$129 $64 in the first year
Promoted
American Express
Qantas Ultimate Card
1.25 points per dollar on Amex, uncapped
20.74% p.a.
$450
Promoted
ANZ
Rewards Black
2 points per dollar on Visa, up to $5,000 per month, then
1 point per dollar on Visa, uncapped
18.79% p.a.
$375
Promoted
Qantas Money
Qantas Premier Everyday
0% p.a. for 12 months and then 21.99% p.a.
$49 $29 in the first year
19.99% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
0% p.a. for 14 months then 20.74% p.a.
Promoted
HSBC
Platinum Credit Card
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)
$129 Refunded when you spend over $6,000 p.a
0% p.a. for 12 months then 19.99% p.a.
Promoted
Qantas Money
Qantas Premier Platinum
0% p.a. for 18 months and then 21.99% p.a.
$299 $199 in the first year
19.99% p.a.
Promoted
Citi
Clear Platinum
0% p.a. for 14 months and then 21.74% p.a.
$99 $0 in the first year
12.99% p.a.
Promoted
NAB
Qantas Rewards Signature Card
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$395 $295 in the first year
19.99% p.a.
Promoted
Citi
Signature
0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)
$395 $199 in the first year
20.99% p.a.
Promoted
CUA
Low Rate Credit Card
11.99% p.a.
$49 $0 in the first year
0% p.a. for 13 months and then 21.74% p.a.
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
$129 $64 in the first year
0% p.a. for 6 months and then 20.99% p.a.
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
$59
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 15 months then 13.99% p.a.
$100
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
Promoted
Citi
Clear Platinum
12.99% p.a.
$99 $0 in the first year
0% p.a. for 14 months and then 21.74% p.a.
Promoted
HSBC
Platinum Credit Card (Special Offer)
0% p.a. for 12 months then 19.99% p.a.
0% p.a. for 22 months and then 21.99% p.a.
$129 Refunded when you spend over $6,000 p.a
Promoted
Suncorp
Clear Options Platinum
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 14 months and then 21.99% p.a.
$129 $49 in the first year
Promoted
HSBC
Platinum Credit Card
0% p.a. for 12 months then 19.99% p.a.
0% p.a. for 12 months and then 21.99% p.a. (2.00% balance transfer fee)
$129 Refunded when you spend over $6,000 p.a
Promoted
Virgin Money
Virgin Australia Velocity Flyer Card - Purchase Rate Offer
0% p.a. for 14 months then 20.74% p.a.
0% p.a. for 6 months and then 20.99% p.a.
$129 $64 in the first year
Promoted
NAB
Low Rate Card
0% p.a. for 6 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Promoted
NAB
Low Rate Platinum Card
0% p.a. for 15 months then 13.99% p.a.
0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
$100
Promoted
Citi
Platinum (Purchase Rate Offer)
0% p.a. for 13 months then 20.99% p.a.
0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)
$149 $49 in the first year
