Westpac Lite Card

 General Lending Rates

 Product Features

• Additional Cards Additional Information: You can add one additional cardholder (16 years or older) at no extra cost. The primary cardholder is liable for all transactions made with either card.

• Interest Free

• Digital Banking

• Digital Wallet Additional Information: Tap and pay quickly and easily using Garmin Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Apple Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Google Pay.

• Digital Wallet Additional Information: Tap and pay quickly and easily using Samsung Pay.

• Notifications

• Extra Repayments Additional Information: The product includes extra repayments

• Instalment Plan Additional Information: Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.

• Other Additional Information: Buy online and overseas with confidence, with no foreign transaction fees.

• Fraud Protection Additional Information: Westpac Fraud Money Back Guarantee ensures that any unauthorised transaction claims will be reimbursed provided that the cardholder has not contributed to the loss and contacted us promptly.

• Other Additional Information: Minimum repayments : 2% of the closing balance outstanding, or $10; whichever is greater. If the closing balance is less than $10, it must be paid in full.

• Other Additional Information: You can use your Card to make a Purchase. You can use your Card in many places in Australia and around the world. Look for the Visa and Mastercard signs that match those shown on your Card. If your Card is accepted by a Merchant or branch, you can use it to: Pay for Purchases, through payment terminals, e.g. at a shop, etc. online, within a mobile app, by telephone.

• Other Additional Information: Recurring payments - You may authorise a Merchant to charge recurring payments to your Card automatically without requesting your authorisation on each occasion.

• Other Additional Information: Confirming and authorising transactions : There are a number of ways you may be able to confirm a transaction. These include: signing your name. Holding your Card in front of a contactless payment device. Entering your PIN. Entering your Card details and any other information required.

• Other Additional Information: Statements : We will issue a statement for the Card Account to you every month unless the account has a balance of $10 or less and there has been no account activity in that month. You can choose to receive statements by mail or electronically.

• Other Additional Information: Make shopping and ordering online even more safe and secure with Westpac My Merchants. Westpac My Merchants lets you shop and order online without needing to share your card details, because your card number is replaced with a unique identification code called a 'digital token'. This digital token, which won't contain your personal information and is used by the merchant instead of your card number, helping protect you online.

• Loyalty Program Additional Information: Explore ShopBack offers from the Westpac app, or earn bonus Cashback when you shop via the Westpac Lounge on ShopBack. Terms & Conditions applies.

• Loyalty Program Additional Information: Helpful cashback offers with Westpac Extras - Enjoy cashback to your account on eligible transactions from well-known and loved brands ? from department stores and supermarkets to petrol stations, travel partners and more. Subject to Terms & Conditions, eligibility criteria applies

• Other Additional Information: Customers can access their eligible Westpac cards and Apple?s ID&V security features within Apple Wallet. T&Cs apply.

 Product Eligibility

• Min Age - 18. Additional Information: 18+ years old

• Other Additional Information: Those having permanent residency in Australia/NZ OR being a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry

• Min Income - 30000.00. Additional Information: Earn a minimum $30,000 per annum

• Other Additional Information: Customer having a regular, verifiable Australian taxable income.

• Other Additional Information: Customer having a fixed, verifiable residential address in Australia.

 Bank Fees and Charges

• Monthly Card Fee (Periodic), Amount: 9.00. Additional Information: $9 monthly card fee

• Foreign Transaction Fee (Transaction), Amount: Not Listed.. Additional Information: No foreign transaction fees.

• Missed Payment Fee (Event), Amount: 0.00.

• Overlimit Fee (Event), Amount: 0.00. Additional Information: $15.00 once per statement period if your credit card account was opened before 4 June 2012. No overlimit fee will be charged for personal credit card accounts opened on or after 4 June 2012.

• Credit Card Surcharge (Variable), Amount: Not Listed.. Additional Information: In some instances, businesses may administer a ?surcharge? for credit card payments. Usually, these are a percentage fee of your purchase amount. Ask the merchant if a surcharge applies and how much it is before paying if you?re unsure.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00

• Max Limit of 20000.00

 Document Downloads

  westpac-credit-card-terms-and-conditions.pdf (264.9 KB)