Lite Card card image

Westpac Lite Card

Advertiser disclosure
Purchase rate
9.90% p.a.
Balance transfer rate
No current offer
Annual fees
$108
Interest free days on purchases
45

Mozo editorial review Westpac Lite Card - last updated: 13 July 2023

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What's hot
  • 9.90% p.a. purchase rate
  • No foreign transaction fees
  • $0 late payment fee
What's not
  • $9 ongoing monthly fee
  • No balance transfers
Mozo snapshot

The Westpac Lite Card certainly is light on interest rate charges and fees! It comes with a 9.90% p.a. purchase rate and no late payment or foreign exchange fees whatsoever. 

This card is a winner of an award in the 2023 Mozo Experts Choice Travel Money Award in the Low Rate Travel Credit Card category. 

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Key features

Westpac’s Lite Card is the bank’s lowest rate credit card on offer at only 9.90% p.a. Unlike most credit cards, it doesn’t have a lump sum annual fee, instead you’ll pay monthly card fee of $9 for the card, which totals to $108 per year. 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 good news is that if you accidentally miss your credit card due date you won’t be slugged with any 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.

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Who is it good for

The Lite Card could be 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.

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Any catches


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 - otherwise, go check out no annual fee cards in our database.

Details

Rates and fees information correct as at 21 February 2024 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%

$0.00

$0.00

$0.00

Features

$10.00

2.0

1

$4,000 maximum credit limit. No Cash Advances.

Payment options

Apple Pay, Google Wallet, Samsung Pay, Fitbit Pay, Garmin Pay

Customer Reviews

How are Westpac credit cards rated by the Mozo community?

Overall
Price
Features
Customer service
Convenience
Trust

Latest reviews of Westpac Lite Card Credit Card

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