This guide on how to apply for the Westpac Lite card is perfect for anyone looking for a simple tool, with competitive rates and no unnecessary complications.
With the Westpac Lite, you can shop overseas with no extra fees, enjoy up to 45 interest-free days, and earn cashback at various stores.
But how do you apply for this popular card? Keep reading to find out all the steps and requirements!
Requirements to Apply
- Age: You must be at least 18 years old.
- Residency: Australian citizen, permanent resident, or non-resident/migrant with a valid visa for at least 1 year.
- Address: A fixed residential address in Australia is required.
- Credit History: A good credit history is essential.
Documents You’ll Need
To complete your application, make sure you have the following documents on hand:
- Proof of Income: Recent payslips, government statements, or rental income evidence.
- For Self-Employed Applicants: Recent business bank statements and your latest ATO Notice of Assessment.
- Identification: Driver’s licence, passport, or Medicare card (at least two forms of ID).
How to Apply for the Westpac Lite Card: Complete Guide
- Visit the Application Link: Go to the Westpac Lite Card page and check out the overview to ensure you’re ready to apply. When you’re ready, click “Apply Now”.
- Enter Your Personal Details: Provide your contact information and personal details to get started.
- Share Your Financial Information: You’ll need to disclose income, employment status, and any debts (such as loans or other credit cards).
- Review Your Application: Double-check all your information and submit your application for review.
FAQs on how to apply for the Westpac Lite card and other relevant information:
How long does it take to get approved?
Approval times may vary, but it usually takes just a few business days. You’ll get a response by email, and you can also track your application status through the Westpac app.
What’s the initial credit limit?
The approved limit can range from $1,000 to $20,000, depending on your credit profile and income.
Does the Westpac Lite Card have an annual fee?
No! There’s no annual fee – just a low $9 monthly fee.
Can I use the card for cash withdrawals?
No, the Westpac Lite Card doesn’t allow cash advances.
How can I pay my bill?
You can pay your bill through internet banking, the Westpac app, direct debit, or a bank transfer.
What happens if I miss a payment?
While there’s no late payment fee, interest may accrue on your outstanding balance, which can affect your credit score.
Can I request a credit limit increase?
Yes, you can apply for a limit increase after a few months, provided you’ve maintained a good payment history.
How can I track my spending and pay my bills?
You can monitor your transactions and make payments through Westpac’s internet banking or the Westpac app.
Useful Contacts
📞 Support for New Applications: 1300 651 089
📞 General Enquiries: 132 032
📱 Live Chat: Log in to your Online Banking or Westpac app to chat with a virtual assistant 24/7
You will be redirected to the bank’s website.