Westpac Lite Card

My rate: 
17%
 
My annual fee: 
$90
 
Price of my purchase: 
$5,000
 
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Westpac Lite Card
APPLY BY 26 oct 17
Low ongoing purchase rate of 9.90% p.a.
Keep your credit under control with credit limits between $500 and $4,000.
No fees for foreign transactions or missed payments.
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9.90% p.a.
ongoing
$108
ongoing

Pros & cons

What's good?

What's not so good?

Low ongoing purchase rate of 9.90% p.a.
Keep your credit under control with credit limits between $500 and $4,000.
No fees for foreign transactions or missed payments.
Enabled with Visa payWave technology for faster PIN-less purchases under $100.
No cost for one additional cardholder.
Low minimum income threshold of $15,000 needed for eligibility.
Annual fee of $108 p.a. which is paid $9 monthly.

Basic details

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
Any
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$15,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
None
Temporary residents
Yes

Cardholders

Additional cardholders
1
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$500
Maximum credit limit
$4,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 45 days on purchases
Minimum repayment
2%

Rates & fees

Ongoing interest rates

MonthlyAnnually
Cash advances N/A N/A
Purchases 0.83% 9.90% p.a.

Fees

Annual fee
$108 p.a.
Cash advance fee
N/A
Dishonour fee
$0
Duplicate statement fee
$7.50
Foreign exchange fee
0%
Late payment fee
$0
Over limit fee
$0
Overseas ATM balance fee
$0
Overseas ATM withdrawal fee
N/A
Overseas emergency card replacement fee
N/A
Transaction verification fee
$0

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $15,000 per year
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Joint applications are not allowed
Temporary residents are eligible
Age Pension, Disability Pension, Veteran's Pension and Widower's Pension are acceptable.
Overseas Pension is not acceptable.
Austudy, Child Support Payments, Family Tax Benefits and Parenting Payments, Foster Care Allowance and Youth Allowance are acceptable.
Carer's Allowance is not acceptable.
Disclaimer: The minimum criteria pointers are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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