Credit Card Compare

Westpac Lite Card

Data last updated 20 July 2026
9.90%
Purchase rate
$108
Annual fee
45 days
Interest-free

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Westpac Lite Card card
60 second approval
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CardIQ

64Good

Good

Overall score, out of 100 · How this works

  • Low rate62
  • No foreign fee78
  • Travel52

Customer reviews

No reviews yet. Be the first to review the Westpac Lite Card.

Pros & cons

What's good

  • The 9.9% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • No foreign transaction fee on overseas or online spending.
  • No fee to add an additional cardholder.

Worth noting

  • The $108 annual fee is high for a Standard card, where the typical fee is about $50.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Mastercard
Card use
Personal
Credit limit
$1,000 – $20,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
Yes (response in ~60 seconds)
Joint application
No
Minimum age
18 years old
Minimum income
$30,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

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

Repayments

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 has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

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.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas feeNo feeTied for best (1st of 200 cards)
Purchase rate9.90%Top 10% (9th of 196 cards)
Annual fee$108 a yearMiddle of the market (120th of 200 cards)
Interest-free days45 daysNot as good as most cards (126th of 192 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Government
Product reference data (Consumer Data Right)
Issuer
Westpac