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Credit cards - FAQs.

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General.

  • Where can I find out about Westpac credit cards?

Application.

  • I've been waiting for my card and it hasn't arrived - what should I do?
  • I’ve started my application, but I need to go and do something. Will my application be saved?
  • Do I have to open a transaction or savings account with Westpac to get the credit card?
  • My card has been sent to the wrong address - what should I do?
  • When can I start using my card?
  • How do I transfer my credit card balance from my current provider to Westpac?
  • Can I apply for a Westpac credit card without having a Westpac bank account?

Manage.

  • I am an additional cardholder, how can I manage my cards in Westpac One?
  • How often would I receive a credit card statement?
  • How can I apply for a higher limit on my credit card?
  • My credit card expires this month - how do I get a replacement?
  • How do I cancel my Westpac credit card?
  • How can I change the limit on my credit card?

Security.

  • What do I do if there are transactions on my statement I haven't made using my credit card?
  • Lost/stolen/damaged credit card - how do I get a replacement?
  • How can I find out more about a suspicious transaction on my credit card?
  • What if someone says they're from Westpac & asks for my PIN or bank account details?
  • Where is the security code/CVC on my Westpac Mastercard®?
  • I selected the wrong PIN/I want to change my PIN.
  • Am I protected if my digital Westpac credit or debit card is lost or stolen?

Rates and fees.

  • What happens with my annual fee when I change my card type?
  • How do the interest free days work for Westpac credit card purchases?
  • When is interest charged on my credit card?
  • What is the annual account fee on my credit card?
  • What exchange rate is used if I use my credit card or debit card for an overseas transaction?
  • What is a Line of Credit fee?
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