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Help

Credit card how-to guides.

On this page

  • Apply
  • Block, cancel & replace
  • Card types & limits
  • Disputes & fraud
  • Payments
  • Learn more

On this page

  • Apply
  • Block, cancel & replace
  • Card types & limits
  • Disputes & fraud
  • Payments
  • Learn more

Getting started.

  • When can I start using my card?
  • How do I transfer my credit card balance from my current provider to Westpac?
  • How can I manage my cards in Westpac One?
  • How to update your personal details on your credit card account.

Apply.

  • I’ve started my credit card application, but I need to go and do something. Will my application be saved?
  • Where can I find out about Westpac credit cards?
  • Can I apply for a Westpac credit card without having a Westpac bank account?

Block, cancel and replace.

  • How to turn off automatic card updates.
  • I've been waiting for my card and it hasn't arrived - what should I do?
  • My credit card expires this month - how do I get a replacement?
  • How do I block or cancel a credit or debit card?
  • Lost or stolen debit & credit cards.

Change card type or limit.

  • How can I apply for a higher limit on my credit card?
  • Change your credit card to a different type.

Disputes and fraud.

  • How can I find out more about a suspicious transaction on my credit card?
  • What do I do if I suspect fraud on my device or card?
  • How to dispute a credit or debit Mastercard® transaction.

Payments.

How to make payments to your credit card. What is the minimum monthly payment amount? How to I make a credit card payment in digital banking? Smart ways to pay. All payments how-to guides.

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?

Security.

How can I set or change my card PIN? Where is the security code (CVC) for my Westpac Mastercard? Cardguard security. Mastercard Identity Check help.

Statements and transactions.

How often do I receive a credit card statement? How do I find out more about a transaction? Digital statements with Westpac One. Understanding credit card statements. Understanding pending transactions. How to check, search or filter your transactions with Timeline in digital banking.

Travel.

How much will it cost to use my cards overseas? Which countries don't accept my card? What exchange rate is used if I use my credit card or debit card for an overseas transaction? Using ATMs overseas. Using my credit card overseas.

Withdrawing cash.

Can I get cash from an ATM with my credit card? What is a cash advance and how does it work? How does credit card interest work?

Additional cardholders.

  • I am an additional cardholder, how can I manage my cards in Westpac One?
  • How to give access to another person for your credit card.

Learn more about credit cards.

Six ways to pay off your credit card. Tips to manage your credit card.
Airpoints credit cards
Automatic Billing Updater
Balance Transfer
Contactless
Financial difficulty
hotpoints
hotpoints Pay
Mastercard Identity Check
Payments
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