You can dispute transactions that you haven’t authorised by contacting us within 30 days of the date of the statement. However, before you do, here’s a couple of things to check:

  • Is the merchant name different from their retail name?
  • Do you have a receipt that matches the transaction? 
  • Could it be for an online purchase?
  • Have you signed up for an online ‘free trial’? You may have committed to a regular subscription after the free trial ends and forgotten - and your card has been charged. Check the terms and conditions for that trial.
  • Could the transaction have been made by an additional card holder?

The next step could be to contact the merchant to clarify the transaction and if necessary, arrange a refund. If the transaction was not authorised by you and the merchant does not help, we may be able to dispute this with the merchant’s financial institution.

If you suspect the transaction could be credit card fraud please call our Cards team on 0800 888 111 (7am - 11pm, 7 days a week), they will be able to tell you more about a specific transaction, and take action if required.

You’ll receive a statement every month, if you’ve made a transaction during that period. A transaction can be a purchase, fee, interest charged, cash advance.

You can view your statements online in Westpac One. You can also set up alerts to let you know when your statement is due. If you do need a hard copy you can print them from Westpac One - just select your account, click ‘download statements’, select which statement you need and press print.

Payments to your credit card are processed overnight on each business day. If you made the payment after 10pm, it misses the deadline for that day and will be processed at the end of the next business day, appearing on your account the following morning.

Westpac credit cards have interest free days if your credit card statement's closing balance is paid in full by the due date.

If you make a cash advance, the interest free benefit does not apply and the cash advance accrues interest from the day you make the withdrawal.

If your last card statement closing balance is not paid in full by the due date:

  • interest will accrue daily on your last card statement opening balance and be charged on your next statement
  • interest will accrue daily on new purchases from their transaction date

Payments you make will first go to charges and interest accrued, then to the cash advances and purchases, followed by balance transfers.