Westpac Credit Card – Discover the Benefits, How to Apply, and More

Do you enjoy shopping using your credit card but never find it satisfying because of the interest rate and other charges that you get at the end of the month? There are a lot of credit cards that offer low-interest rates as introductory or welcome offers but never quite maintain them. There is one exemption to this – the Westpac Lite Credit Card.

The Westpac Lite credit card is a credit card that offers one of the lowest purchase rates in the market while also giving you a very sound introductory period. The credit card also packs a lot of features that you can take advantage of especially if you want to shop online.


This guide shares everything you need to know about the Westpac credit card.

Westpac Credit Card - Discover the Benefits, How to Apply, and More
Image Source: Westpac

Discover the Features and Benefits of Westpac Credit Card

The Westpac Lite credit card is loaded with features that every shopper will truly love. The main attraction of this card is its lowest card purchase rate of only 9.9%. This helps you save on interest charges every month so you can spend more on the things that you love. 

Westpac Credit Card - Discover the Benefits, How to Apply, and More
Image Source: Cargo

You don’t even have to repay the full amount every month. You also get an introductory offer of a 0% interest rate for the first 45 days of opening the account. Cardholders are also treated to $30 cash back every month if they make more than 10 purchases within that month. 


Not only that, you’ll get discounts in selected establishments and partner merchants so you’ll get more out of using your credit card. 

Lastly, you get fraud protection with your card so they can refund any possible fraudulent transaction back to your account.

Interest Rates and Other Charges

Besides the Westpac Lite credit card’s variable purchase rate of 9.9%, there are other rates, limits, and charges that you need to know about. For example, you can get as much as a $20,000 credit limit when you apply for the card depending on your creditworthiness. 


Cardholders won’t be charged any foreign transaction fees, nor a missed or late payment fee if payment isn’t made on time. While the card does not have an annual fee, there is a monthly fee of $9. 

There is no cash advance option available for this card and certain merchants might charge you a credit surcharge. Be sure to ask the merchant if there are surcharges when you use the card in their establishment.

Eligibility Requirements for the Westpac Lite Credit Card

The Westpac Lite credit card is quite enticing, especially its low-interest rate but if you are planning on applying for the card, there is still some information you need to know. These eligibility requirements will help improve the likelihood of you getting approved for the card. 

Westpac Credit Card - Discover the Benefits, How to Apply, and More
Image Source: CNBC

First, you need to be 18 years old and must be a resident of Australia or New Zealand. A non-resident can still apply only if they have a visa that does not expire within a year from application. 

Applicants must also have a taxable income based on the country that they currently reside and must have the documents to prove it. They should have a verifiable residential address with supporting documents. 

If you have further inquiries, you can call them at 1300 651 089 or visit their main office at 275 Kent Street Sydney, NSW 2000, Australia.

How to Apply for a Westpac Credit Card

There are several ways for you to apply for the Westpac Lite credit card. The first and most convenient way is to apply online through their official website. Select the “Westpac Lite credit card” and click on “Apply Now”. 

Fill out the application form with the necessary personal, financial, and employment information required by the bank. Make sure to provide all the necessary supporting documents before you submit. Check and thoroughly read the terms and conditions before submitting your application for consideration.

Another way to apply for the card is to call them through their customer service and apply for the card.

Managing and Maximizing Your Westpac Credit Card

Using your Westpac Lite credit card still requires financial discipline, even though the card offers a very low interest rate

Westpac Credit Card - Discover the Benefits, How to Apply, and More
Image Source: Westpac

To stay on top of managing your accounts, you can download the Westpac app and link your account to the app. Doing so allows you to receive notifications directly on your mobile device regarding your account. 

You can manage your cards all within the app and take advantage of the deals and promotions on the app. 

You can also use the app to make fast and secure payments and transfers.

Credit Card Tips

Having the Westpac credit card will require a lot of discipline so you’ll need the following tips and tricks in using this card. Pay off your balance every month so you don’t have a lot of charges piling up on your bill. 

This will also help earn a better credit score, or at the very least maintain your good credit score. Use your credit card for things you need and not things you want so you won’t be shocked by a high bill that you can’t pay back. 

Don’t Skip a Payment

Even if the Westpac Lite credit card does not charge you for missed payments, it is still best that you never skip a payment as it can also affect your credit score. 

Having a healthy credit score means you’ll have a better chance of improving your credit limit.

Be Credit Savvy

When applying for a card, always have realistic expectations when it comes to your credit limit. 

Your credit score plays a role in your credit limit, and if you have an average credit score, you should expect to have an average credit limit as well. 

Always make sure that you check the terms and conditions, interest rates, fees, and other charges from the card.


The Westpac Lite credit card is good for those who want to have a low-interest credit card that you can use in many establishments as well as overseas. The card offers a lot of features that you can take advantage of especially if you love shopping.

Note: All credit products come with associated risks. Read the terms and conditions of the product to be aware of the financial considerations.

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