Using your credit card overseas

Your Westpac Mastercard® or Visa card can be used everywhere Mastercard or Visa is accepted around the world, giving you global ATM cash access1. Look for the following logos when you want to use your credit card to pay for purchases. We have a few tips to help you keep your cards safe while you travel. That way, you can focus on having a great time.

Mastercard logo Visa logo

Before you go travelling:

We’ve created a simple, secure page in Westpac One®, so you can quickly and easily let us know about your travel plans.

Notify us about when and where you’re going as well as your contact details, so we can keep a close eye on your cards and transactions while you’re away.

Alternatively you can also give us a call on 0800 888 111 or visit your nearest branch.

Tips for using your credit card overseas:

  • Chip credit cards are safer with added security that the embedded microchip provides. If your card doesn’t have a chip, you can request for a replacement card in Westpac One or contact us on 0800 888 111. A replacement fee of $10 may apply
  • Make sure you get a PIN loaded onto your credit card
  • Be careful when using your card for cash withdrawals, as some ATMs will process withdrawals by default from a particular account
  • Using Global Alliance ATMs will help you to avoid the usual transaction fee¹

  • To help minimise FX costs, it’s a good idea to pay in local currency where possible. That way, the currency conversion is handled by the credit card network, which can often result in a better exchange rate than if you chose to pay in New Zealand dollars²

  • International cards will not be accepted at unattended mag stripe terminals in the US, for example some petrol stations. If you want to pay using your card, you’ll need to go to a petrol station where a cashier can take a card payment
  • If your card is stolen or lost while you’re away, please block your card immediately in Westpac One or contact us on +64 9 914 8026 (24 hours a day). Please note that call charges may apply. 

Travel insurance: 

If you have one of the credit cards listed below, you may be eligible for travel insurance cover. Please check the terms and conditions of coverage before you book your trip. You can check your eligibility by visiting

Hotpoints Platinum Mastercard insurance policy document

Hotpoints World Mastercard insurance policy document

Airpoints Platinum Mastercard insurance policy document 

Airpoints World Mastercard insurance policy document

Airpoints Business Mastercard insurance policy document

BusinessPLUS Mastercard insurance policy document

If your credit card is declined:

  • Ask the merchant to call their local Visa or Mastercard® office
  • Call us on +64 9 914 8026 to advise us of the incident and provide merchant location details. Please note that call charges may apply


Countries I will not be able to use my Westpac card:

There are a few countries where your Westpac cards won't be accepted:

  • Cuba
  • North Korea
  • Sudan
  • Syria
  • Iran
  • Crimea Region of Ukraine