Westpac Lite Mastercard

On website

Westpac Lite Mastercard

Balance transfer

N/A

Purchase rate

9.9% p.a. ongoing

Annual fee

$108.00 p.a. ongoing

Highlights

  • Low variable purchase rate of 9.90% p.a.
  • No foreign transaction fee when using your card overseas.
  • $108 p.a. annual fee.

Pros and cons

Pros

  • Low-interest rate.
  • Up to 45 interest-free days on purchases.
  • Get an additional cardholder at no extra cost.

Cons

  • No rewards program.
  • No introductory balance transfer offer.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
$30,000.00
Temporary Residents Accepted
Yes

Additional cardholders

Additional Cardholders
1
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$500.00
Maximum Credit Limit
$20,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 45 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
N/A
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
9.9% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$108.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
2%
Late Payment Fee
$0.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

User reviews

Convenience

Customer service

Rates and fees

Rewards

Trust

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