How to make payments to your credit card.
Whether you want to pay your minimum payment, your full balance or somewhere in between, here are several easy options for paying your monthly credit card statement.
Ways to make a payment.
1. Westpac One® online banking
Make payments to your Westpac credit card easily in Westpac One. Simply log into Westpac One to access your credit card account via the Accounts screen, click on 'Pay/Transfer, to here' and follow the instructions.
Here’s a step by step guide on making payments in Westpac One.
If you haven't registered for Westpac One, call our dedicated Westpac One team on 0800 400 600 and press option '7' (Weekdays 7 am - 8 pm and Saturday & Sunday 8 am - 5 pm).
2. Set up a direct debit
Fill out a direct debit form, and we'll automatically take the amount you choose from your bank account to pay your credit card account each month.
Direct debit repayments will take three days to clear. Once the repayment has cleared, the available limit will increase.
3. Set up a payment from your other bank
You can set up a regular automatic payment or make a one-off bill payment to your credit card from a Westpac account or any New Zealand bank account.
To set up an automatic payment or a bill payment, you'll need:
- Our transfer account name: Westpac Mastercard® Payments
- the Card Payments account number: 03 0990 0998907 82
- the 16 digit credit card number
- the cardholder's surname and initials.
Details to appear on payees bank statement:
- Particulars: First eight digits of the card number e.g. 5436 7800
- Code: Last eight digits of the card number e.g. 1234 5678
- Reference: Cardholder’s surname and initials, e.g. Bloggs J O.
4. Pay through phone banking
Call 0800 172 172 at any time, and you can transfer a payment to your credit card account from another Westpac account.
5. Pay at a Westpac branch
Make a payment over the counter at any Westpac branch in New Zealand.
6. Make a payment at a Westpac ATM
Deposit to your credit card account, or transfer funds from another Westpac bank account to your credit card account.
How much do I need to pay?
Each month you'll receive a statement with your credit card account balance, as well as the minimum payment due - this is either $5 or 2% of your closing balance, whichever is greater of the two1. You can pay the minimum balance, the full balance or anywhere in between.
Check your balance in online banking
Things you should know.
1 If you make only a minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Eligibility criteria, lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.
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