The Westpac Lite credit card is surprisingly simple and easy to get, plus it comes packed with a bunch of benefits for customers.
With the lowest purchase rate in the Westpac range, up to 45 days interest-free, and no foreign transaction fees, the Westpac Lite is the perfect choice if you want a card that’s light on your wallet and heavy on the perks!
For just $9 a month (cheaper than many annual fees), it gives you the freedom and convenience to spend, whether you’re in a physical store or shopping online around the world.
Want to know how this card can transform your spending? Let’s break it down!
What you can expect from the Westpac Lite Credit Card
- Lowest purchase rate: With an interest rate of just 9.90% p.a., the Westpac Lite is the most economical option for everyday purchases.
- Interest-free days: If you pay your balance in full by the due date, you won’t pay any interest for up to 45 days.
- No foreign transaction fees: You won’t pay any fees when you use your Westpac Lite credit card in stores or online overseas.
- Cashback and discounts: You’ll receive email offers that give you rewards at a variety of partner stores.
- Fraud protection: Rest assured that your money is safe. Westpac has a system to detect suspicious transactions and will even reimburse you in case of fraud.
- Digital wallet compatible: Add it to Apple Pay, Google Pay, or Samsung Pay.
How to earn and use your cashback
Through Westpac Extras, customers receive personalized offers that give you money back on your purchases.
Plus, when you use your card at the Westpac Lounge within the ShopBack platform, you earn extra cashback bonuses.
Discounts and rewards are available both in-store and online, expanding your spending options. Just take advantage of the available promotions, and the cashback amount is automatically credited to your account.
See how easy it is?
What you need to consider before applying for the Westpac Lite Credit Card
For now, Westpac Lite does not offer ATM cash advance withdrawals and balance transfers. This means it’s not useful for consolidating debt from other credit cards.
Also, this card prioritizes functionality, so if you need comprehensive coverage with complimentary insurance, for example, you might miss that kind of service.
Key Fees
- Monthly fee: $9 (That’s $108 per year)
- Interest rate: 9.90% p.a.
- Foreign transaction fee: 0%
- Late payment fee: $0
Analyst’s opinion: Is the Westpac Lite Credit Card worth it?
While it’s not a rewards card, customers still get plenty of benefits! Firstly, direct cashback into your account is a practical advantage, in addition to the exclusive offers that guarantee attractive discounts.
Plus, with low interest on purchases, up to 45 days interest-free, and no foreign transaction fees, it stands out in the credit card market, especially for having an economical monthly maintenance cost.
It’s easy to find out if this is the best option for your wallet: is your priority to have a card for everyday spending and travel without the hassle of paying extra? Then this is the right choice!
I want this card! What do I need to do?
Great choice! Now we’ll show you the requirements and documents you need to have on hand to submit your application successfully. But we have good news: the process is online, so it’s very easy!