Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

Westpac Lite Mastercard®
Westpac Lite Mastercard®

Westpac Credit Cards

Westpac Lite Mastercard®

Updated 19 March 2024

Save on credit card costs with Westpac Lite's low purchase rate of 9.90% p.a., up to 45 days interest-free, and, $0 foreign transaction fees when you shop overseas or online. T&Cs apply.

Purchase Rate (p.a)


Balance Transfer (p.a)


Annual Fee (p.a)



My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Low purchase rate of 9.90% p.a.
  • No foreign transaction fees
  • No late payment fees
  • Additional cardholder at no extra cost
  • Fraud Protection
  • Tap and pay with Apple Pay, Samsung Pay and Google Pay

  • $9 monthly fee - ($108 annually) review

Editor Review

Westpac Lite Mastercard®

Pauline Hatch
Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Westpac Lite Mastercard

Never heard of a ‘lite’ credit card before? Well, now you have. One of Westpac’s newest cards, the Westpac Lite Card is designed for the ‘lite’ credit card user, offering the bank’s lowest rate on purchases, alongside a limited range of useable features.

If you want access to credit for everyday spending and are not too worried about fancy features some cards offer, this may just be the card for you.

So, to help you make a decision, here’s all the important need-to-know info on this lovely lite option from Westpac.

What we love...

While it’s easy to get excited about fantastic features and awesome introductory offers, it’s perhaps not so easy to get enthused about saving money. However, money-saving is one of the main benefits on offer with the Westpac Lite Card.

We all know that paying no interest is the best way to go with credit card debt. This can be achieved either by transferring existing credit card debt onto a 0% p.a. balance transfer card and paying down the balance before the intro offer ends, or by paying off each credit card balance month-to-month, before interest starts accruing.

However, while we know this, we also know that sometimes life gets in the way. Switching to a balance transfer card isn’t always an option, and it’s not always possible to pay off a credit card balance in full at the end of the month.

The solution? A low rate card such as the Westpac Lite Card can provide cardholders who may not be able to pay off their balance in full each month, to save on the interest they are paying. With the card’s low purchase rate of 9.90% p.a., you could save on the interest you’re paying out, to hopefully pay off the balance sooner.

Sure, all this talk of money-saving might not get your heart racing, but this card may just make sense for you financially plus, handy features, which we’ll get to shortly.

What’s not so great...

With low cost cards, you’ll usually find fewer features on offer. With the Westpac Lite Card for example, cardholders are not able to take out cash advances. On top of that, the card has a relatively high maximum credit limit of $20,000, which may encourage overspending. Remember that cash advances can be costly, as they usually come with fees and a higher rate of interest.

One negative point worth taking into consideration though, is the card’s monthly fee. Instead of an annual fee, there is a $9 monthly fee, which works out to be $108 per year. For a low rate card with minimal features, this is a considerable amount to pay.

Why should you choose this card?

Happily, the Westpac Lite Card is not completely devoid of features. Aside from its money-saving capability, it actually has a few features that you might find very useful indeed.

First up, there are no foreign transaction fees or late payment fees to worry about. You can also enjoy up to 45 days interest free on purchases, as well as one additional cardholder at no extra cost. Nothing spectacular, it’s true, but handy nonetheless.

Overall Rating

A ‘lite’ card that could save you money on interest, plus, few features that may just come in handy.

User reviews

Westpac Lite Mastercard® ( based on 6 user reviews )

71% rating based on 6 reviews

Customer Service

Rates and fees

Interest rates

Purchase rate 9.90% p.a.

Cash advance rate N/A

Interest free period on purchases up to 45 days

Credit limits

Minimum credit limit $1,000

Maximum credit limit $20,000

Fees & repayments

Annual fee $108 p.a.

Additional cardholder fee $0 p.a.

Foreign transaction fee 0%

Minimum repayment 2% or $10 whichever is greater (personal); 3% or $10 whichever is greater (business); $40 (Westpac Flex)

Cash advance fee N/A

Late payment fee $0

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Fraud Protection


Westpac Lite Mastercard®

Featuring Westpac’s lowest rate on credit card purchases of 9.90% p.a., the Westpac Lite Mastercard also comes with no foreign transaction fees or late payment fees. The credit card limit is between $1,000 to $20,000 and it charges a monthly fee of $9 which is $108 annually.

Disclaimer: The interest free period is the maximum number of days during which interest is not charged on new purchases. If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the “monthly payment balance” listed on your statement of account (not the full closing balance) by the relevant payment due date.

Key features

  • Low 9.90% p.a. on purchases
  • $9 monthly fee ($108 annually)
  • No foreign transaction fees
  • No late payment fees
  • Up to 45 days interest free on purchases
  • No cash advances available with this card
  • Credit limit of $1,000 to $20,000
  • Fraud Protection
  • One additional cardholder (aged 16 or over) at no extra cost

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian citizens, permanent residents or holders of an acceptable visa.

  • Minimum income of $30,000 p.a.

  • You have your personal details ready to complete the online application


Pauline is a personal finance expert at, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

29 questions (showing the latest 10 Q&As)



26 April 2024
1. I don't have a Westpac account, do I need to open an account? 2. Is it possible to upgrade the credit limit?
    Pauline -


    1 May 2024
    Hi Karen, you don't need a Westpac account to apply for the card. You can go ahead and apply directly. As for the credit limit, it's determined based on several factors. It will take into account things like your credit history, income and other debts among many other things. If you need more room to manoeuvre later on, you can always request an increase after a few months.
Kim Moore

Kim Moore

13 June 2023
Travelling to the UK and Europe. The holiday agents recommend I pay for extras with credit card or cash. Does your Westpac Lite charge me every time I uses it. Will Pay in full when I arrive back . Away approx. 27 Days. Once I arrive back - may not use for a while - will i have to pay a monthly fee or just the yearly?
    Pauline -


    14 June 2023
    Hi Kim, thanks for the information. You’re on and not the Westpac site just FYI. So, with the Westpac Lite card you’ll be charged the $9 fee monthly for having the card. This is whether you use it or not. This card also has no foreign transaction fees, which can make it handy to have while you’re travelling. You’ll need to pay your balance within the statement period to avoid interest. Enjoy your time abroad!
Maureen Tolley

Maureen Tolley

20 May 2023
I AM On a disability pension ,can I still get a credit card for myself.
    Pauline -


    22 May 2023
    Hi Maureen, yes you may as there are actually some cards available for pensioners allowing you to apply for them. You can check them here ( We’ve also indicated the eligibility requirements for each of those cards. Hope this helps!


4 May 2023
how soon can this card be issued as I am traveling in 10 days
    Pauline -


    5 May 2023
    Hi Roz, it can take anywhere from 4-10 days for approval assuming all the documents are sent. You may not have enough time to get your physical card, but Westpac credit cards can be accessed and used immediately after approval through the Westpac app, and added to your digital wallet too. Happy travels!


31 March 2023
Hi, I'm travelling to the USA next Thursday and am looking for a credit card with no foreign currency conversion fees. Is this card a good idea for me?
    Pauline -


    3 April 2023
    Hi Pippa, thanks for the information. If you’re looking for a basic card with no foreign transaction fees, the Westpac Lite card has those features. If there’s other features you’re looking for you can compare other no foreign fee credit cards. Enjoy the USA! 🗽


20 March 2023
Hi Can lite MasterCard be used for larger purchases than $20,000 limit? If I pre deposit funds into to account?
    Pauline -


    21 March 2023
    Hi Kartal, unfortunately, you cannot deposit any funds to Westpac Lite Mastercard®. It’s an unsecured credit card which means you do not have to put down funds onto your card account as collateral. If you have an approved credit limit of $20,000 then that is the maximum amount that you can spend using your card.
Gary Stephen Hayes

Gary Stephen Hayes

12 March 2023
it says in the forms that cash transfers can't be made from other credit cards. How do you top up the card
    Pauline -


    13 March 2023
    Hi Gary, you can make payments to your Westpac card in a variety of ways. You can use BPAY, call them on the telephone, visit a brand and you can also pay within the Westpac app itself. If you’re looking to pay off one credit card with another then you might find a few hoops you’ll have to jump through to achieve that. Hope this helps.


14 November 2022
I would like to discuss credit card options with a person online or on the phone. I have tried your self service and you hung up. No help from computer question screen. Will look elsewhere if no contact details forthcoming.
    Pauline -


    15 November 2022
    Hi Kate, I’m sorry to hear about your experience with Westpac. You’ve actually landed on - we’re a comparison site featuring Westpac cards, but we’re not Westpac’s service centre. You can try reaching out to Westpac directly via phone at 132 032 and 1300 651 089 between 8am to 8pm Sydney time.
Kathryn McFarland

Kathryn McFarland

2 November 2022
I have a Westpac low fee Platinum Mastercard> I am going overseas to the US and am concerned about the cost of international transaction fees. I was wondering about applying for a Westpac Lite Mastercard with no international transaction fees.
    Pauline -


    3 November 2022
    Hi Kathryn, if you’re confident you've met all the eligibility requirements, you may apply for the Westpac Lite Mastercard. You can also check some of the other zero foreign fees cards if you’d like to see some other options.

Featured Credit Cards

St.George Vertigo Credit Card

22 reviews
$0 saved over 28 months

Bankwest Zero Platinum Mastercard

12 reviews
$0 saved over 28 months

Westpac Low Rate Credit Card

307 reviews
$0 saved over 28 months
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.