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Westpac Lite Mastercard®
3 reviews

Westpac Lite Mastercard®

Purchase rate

9.90% p.a.

Balance transfer

N/A

Annual fee

$108 p.a.

Pros

Low purchase rate of 9.90% p.a.

No foreign transaction fees

No late payment fees

Cons

$9 monthly fee - ($108 annually)

custom Image

No foreign transaction fees

Buy online and overseas with confidence, with no foreign transaction fees.

100% of customers who have rated this card would recommend it
  • Rates
    95%
  • Fees
    80%
  • Rewards
    N/A
  • Customer Service
    94%
  • Value
    60%
Overall user rating 83%
3 reviews
Interest Rates
Purchase rate 9.90% p.a.
Cash advance rate N/A
Interest free on purchases up to 45 days
Balance Transfer
Credit limits
Minimum credit limit $500
Maximum credit limit $4,000
Fees & repayments
Annual fee $108 p.a.
Additional cardholder fee $0 p.a.
Cash advance fee N/A
Foreign transaction fee 0%
Minimum repayment 2%
Late payment fee $0
Credit card type Mastercard
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

Westpac Lite Mastercard®

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au.

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, it does have some other 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 low maximum credit limit of $4,000, which some cardholders could find restrictive.

However, it’s worth pointing out that these qualities don’t necessarily have to be disadvantageous. Cash advances can be costly, as they usually come with fees and a higher rate of interest. Meanwhile, having a higher credit limit may encourage overspending in those who perhaps cannot afford to overspend.

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, while offering a few features that may just come in handy.

13 questions (showing the latest 10 Q&As)

Jay

Jay

21 December 2018
Hi can I go over limit with my westpac lite visa card ?
Heath

Heath

21 November 2018
Do pensioners meet the criteria for this card and if so can a centrelink statement be used to provide income details? Thankyou.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 November 2018
    Hi Heath, this Westpac Lite credit card for some reason is difficult to get approved for. I would suggest you look at another card. Its difficult for pensioners with government only income to get approved for most credit cards. The issue is they are looking for extra funds you have to pay the new card. Therefore you are putting away money each month they shows the banks you can afford the credit card. Have a look at the ANZ Low Rate as an option. Read through our credit card applications tips.
Amanda

Amanda

21 August 2018
Hi there, Am i able to top up the westpac lite with my own money? also can the card be cancelled at anytime?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2018
    Hi Amanda, it is possible to load funds or overpay a credit card. Though any funds over the limit on your Westpac lite credit card will not have the same fraud protection as with the card. Yes you can cancel at anytime you have a $0 balance or can pay it to that.
zoe

zoe

15 May 2018
Can I take cash out Overseas, if it is in credit, without a fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 May 2018
    Hi Zoe, in debit or credit, you will still need to pay the cash advance fee with this card which is 2%. Though the card has no foreign transaction fees.
Jo

Jo

10 May 2018
How long does it roughly take to apply for a Lite card and actually receive it in hand?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 May 2018
    Hi Jo, it typically takes 5-10 working days. Though this can vary. If your application comes with all the required information and they are able to approve you quickly. Then it could be within the first week from applying. Depending on volumes and systems you can never guarantee that a card would be there quickly.
Anita

Anita

10 January 2018
Can a person with a bad credit apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 January 2018
    Hi Anita, you need to have good credit to get approved for this card.
Sarita

Sarita

1 January 2018
I am on a dependent visa.My husband is a student. I work fulltime n earn about 2000 fortnightly. Am i eligible to apply?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 January 2018
    Hi Sarita, You must hold a current Business Long Stay Visa (subclass 457) to be eligible for this offer.
Matt

Matt

21 December 2017
Is this card avalible to pensioners
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 December 2017
    Hi Matt, it is possible. You need to meet the minimum income requirements and have good credit. Approval will depend on a range of factors such as income v expenses, assets v liabilities plus credit history.
Toni

Toni

18 December 2017
Does application for this card rely solely on employment income, or do they accept other forms of income such as disability pension and wife pension as joint application?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 December 2017
    Hi Toni, other income can be used. The Westpac Lite credit card is not available for joint application. Therefore you would need to the meet the minimum income requirements personally.
Tony McGovern

Tony McGovern

31 October 2017
Hi my question is l'm on a dsp pension and my net payment per fortnight is $670.00 my wife works permanent part time and her weekly wage take home is between $550 - $750 weekly plus she gets parenting payment a and b plus carers allowance for me, the only issue we have is l have 1 small thing on my cra and she also has something on her cra would this effect chance of getting 1 for emergency things only, we would only be looking at $1000.00 limit on and we live with my father in law and our house is owned out right
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2017
    Hi Tony, having something on your CRA will affect your ability to get approved. The Westpac lite is a new product and is currently having some score card issues. That means that most of the applicants, even if they have good credit, are being declined. Based on this I would not suggest you apply for this card at this time. You need good credit to be approved for any credit card these days. This overall will affect your ability to get approved. If you want to have a go, I would suggest that you apply for the Westpac Low Rate card.
Rena

Rena

30 October 2017
Does it charge converter fees?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2017
    Hi Rena, there are no foreign transaction (0%) or late payment fees on this card.
ANDREA BROWN

ANDREA BROWN

30 October 2017
WHAT'S THIS CARD DO ANYWAY?? CAN PEOPLE GET SHORT LOANS ON THEM??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2017
    Hi Andrea, Westac Lite is a new credit card and functions as such. You can use it for purchases up to your available limit.
Meredith

Meredith

15 September 2017
Do you require a minimum annual income? And what does your credit score need to be in order to be approved for this credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 September 2017
    Hi Meredith, there is no minimum income provided by the bank on this card. As a guide, lets say at least $15,000 a year. Credit score is one factor to get approved but each bank will score your application on a range of other factors. Income v expenses, assets v liabilities and credit history are some main ways that your application will be evaluated on. Bottom line is you need to have at least reasonable credit history to apply.

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 $500 to $4,000 and it charges a monthly fee of $9 which is $108 annually.

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 $500 to $4,000
  • One additional cardholder (aged 16 or over) at no extra cost
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Resident or citizen of Australia. Temporary residents are eligible.
  • Minimum income of $15,000 p.a.
  • You have your personal details ready to complete the online application
Westpac Lite Mastercard®
Westpac Lite Mastercard®

Westpac Lite Mastercard®

Updated 27 August 2019

Purchase Rate (p.a)

9.90%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$108

$0 over 0 months

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

  • $9 monthly fee - ($108 annually)

Creditcard.com.au review

Editor Review

Westpac Lite Mastercard®

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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, it does have some other 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 low maximum credit limit of $4,000, which some cardholders could find restrictive.

However, it’s worth pointing out that these qualities don’t necessarily have to be disadvantageous. Cash advances can be costly, as they usually come with fees and a higher rate of interest. Meanwhile, having a higher credit limit may encourage overspending in those who perhaps cannot afford to overspend.

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, while offering a few features that may just come in handy.

User reviews

Westpac Lite Mastercard® ( based on 3 Creditcard.com.au user reviews )

83% rating based on 3 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 9.90% p.a.

Cash advance rate N/A

Interest free on purchases up to 45 days

Credit limits

Minimum credit limt $500

Maximum credit limit $4,000

Fees & repayments

Annual fee $108 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 0%

Minimum repayment 2%

Cash advance fee N/A

Late payment fee $0

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Overview

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 $500 to $4,000 and it charges a monthly fee of $9 which is $108 annually.

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 $500 to $4,000
  • 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

  • Resident or citizen of Australia. Temporary residents are eligible.

  • Minimum income of $15,000 p.a.

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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

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

13 questions (showing the latest 10 Q&As)

Jay

Jay

21 December 2018
Hi can I go over limit with my westpac lite visa card ?
Heath

Heath

21 November 2018
Do pensioners meet the criteria for this card and if so can a centrelink statement be used to provide income details? Thankyou.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 November 2018
    Hi Heath, this Westpac Lite credit card for some reason is difficult to get approved for. I would suggest you look at another card. Its difficult for pensioners with government only income to get approved for most credit cards. The issue is they are looking for extra funds you have to pay the new card. Therefore you are putting away money each month they shows the banks you can afford the credit card. Have a look at the ANZ Low Rate as an option. Read through our credit card applications tips.
Amanda

Amanda

21 August 2018
Hi there, Am i able to top up the westpac lite with my own money? also can the card be cancelled at anytime?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    22 August 2018
    Hi Amanda, it is possible to load funds or overpay a credit card. Though any funds over the limit on your Westpac lite credit card will not have the same fraud protection as with the card. Yes you can cancel at anytime you have a $0 balance or can pay it to that.
zoe

zoe

15 May 2018
Can I take cash out Overseas, if it is in credit, without a fee
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    15 May 2018
    Hi Zoe, in debit or credit, you will still need to pay the cash advance fee with this card which is 2%. Though the card has no foreign transaction fees.
Jo

Jo

10 May 2018
How long does it roughly take to apply for a Lite card and actually receive it in hand?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    10 May 2018
    Hi Jo, it typically takes 5-10 working days. Though this can vary. If your application comes with all the required information and they are able to approve you quickly. Then it could be within the first week from applying. Depending on volumes and systems you can never guarantee that a card would be there quickly.
Anita

Anita

10 January 2018
Can a person with a bad credit apply
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 January 2018
    Hi Anita, you need to have good credit to get approved for this card.
Sarita

Sarita

1 January 2018
I am on a dependent visa.My husband is a student. I work fulltime n earn about 2000 fortnightly. Am i eligible to apply?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    2 January 2018
    Hi Sarita, You must hold a current Business Long Stay Visa (subclass 457) to be eligible for this offer.
Matt

Matt

21 December 2017
Is this card avalible to pensioners
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    28 December 2017
    Hi Matt, it is possible. You need to meet the minimum income requirements and have good credit. Approval will depend on a range of factors such as income v expenses, assets v liabilities plus credit history.
Toni

Toni

18 December 2017
Does application for this card rely solely on employment income, or do they accept other forms of income such as disability pension and wife pension as joint application?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    20 December 2017
    Hi Toni, other income can be used. The Westpac Lite credit card is not available for joint application. Therefore you would need to the meet the minimum income requirements personally.
Tony McGovern

Tony McGovern

31 October 2017
Hi my question is l'm on a dsp pension and my net payment per fortnight is $670.00 my wife works permanent part time and her weekly wage take home is between $550 - $750 weekly plus she gets parenting payment a and b plus carers allowance for me, the only issue we have is l have 1 small thing on my cra and she also has something on her cra would this effect chance of getting 1 for emergency things only, we would only be looking at $1000.00 limit on and we live with my father in law and our house is owned out right
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2017
    Hi Tony, having something on your CRA will affect your ability to get approved. The Westpac lite is a new product and is currently having some score card issues. That means that most of the applicants, even if they have good credit, are being declined. Based on this I would not suggest you apply for this card at this time. You need good credit to be approved for any credit card these days. This overall will affect your ability to get approved. If you want to have a go, I would suggest that you apply for the Westpac Low Rate card.
Rena

Rena

30 October 2017
Does it charge converter fees?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2017
    Hi Rena, there are no foreign transaction (0%) or late payment fees on this card.
ANDREA BROWN

ANDREA BROWN

30 October 2017
WHAT'S THIS CARD DO ANYWAY?? CAN PEOPLE GET SHORT LOANS ON THEM??
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    31 October 2017
    Hi Andrea, Westac Lite is a new credit card and functions as such. You can use it for purchases up to your available limit.
Meredith

Meredith

15 September 2017
Do you require a minimum annual income? And what does your credit score need to be in order to be approved for this credit card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    18 September 2017
    Hi Meredith, there is no minimum income provided by the bank on this card. As a guide, lets say at least $15,000 a year. Credit score is one factor to get approved but each bank will score your application on a range of other factors. Income v expenses, assets v liabilities and credit history are some main ways that your application will be evaluated on. Bottom line is you need to have at least reasonable credit history to apply.

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