Westpac Lite Card
Pros & cons
What's good
- 0% foreign transaction fees
- $0 fee for missed payments
- Low purchase interest rate of 9.9% p.a.
Worth noting
- Only offers up to 45 days interest-free on purchases as opposed to other cards that offer up to 55 days
- No rewards points or complimentary insurances
Card details
The basics
- Additional cardholders
- 1 ($0 p.a.)
- Card setup
- Single card
- Card tier
- Standard
- Card type
- Mastercard
- Card use
- Personal
- Credit limit
- $1,000 – $20,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- No
- Minimum age
- 18 years old
- Minimum income
- $30,000 p.a.
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Repayments
- Interest charged from
- Purchase date
- Interest-free period
- Up to 45 days on purchases
- Minimum repayment
- 2% of the closing balance or $10, whichever is greater
Balance transfers
This card doesn't currently offer a promotional balance transfer rate.
Rates & fees
Ongoing interest rates
- Cash advances
- 9.90% p.a.
- Purchases
- 9.90% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $108 p.a.
- Cash advance fee
- —
- Foreign transaction fee
- 0%
- Late payment fee
- $0
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
How this card stacks up
Calculated estimates that show where this card sits against the 227 cards in our database.
Personalise these estimates
Lower than 18% of cards we list — that's a very low rate.
Carrying $5,000 at 9.90% p.a. costs roughly this much in interest each month.
Assumes the full balance is carried with no interest-free days applied.
Total annual fees across three years, so a promotional first year doesn't flatter the headline figure.
Days you can avoid interest by paying in full — below average for the market.
That's above average for Standard cards — a fairer comparison than measuring it against $0 cards in other tiers.
A combined read on annual, foreign, cash-advance and late fees across all the ways a card can cost you.
Stated minimum income — low — accessible to most.
Calculated metrics are estimates based on assumed spending patterns and point valuations and should not be taken as financial advice. Point values used: Qantas/Star Alliance 1.2c, Velocity 1.0c, all other programs 0.5–0.8c per point. Percentile rankings are based on 227 cards in the CreditCardCompare.com.au database as at June 2026. Seek independent financial advice before applying for any credit product.
User reviews
Based on 0 reviews
How it compares
| Card | Purchase rate | Annual fee | Rewards |
|---|---|---|---|
| Westpac Lite Card (this card) | 9.90% p.a. | $108 p.a. | — |
| Latitude Low Rate Mastercard - Balance Transfer Offer | 13.99% p.a. | $69 p.a. | — |
| ANZ Low Rate - Credit Back Offer | 13.74% p.a. | $58 p.a. | — |
| Westpac Low Rate Card | 13.74% p.a. | $59 p.a. | — |
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