Help Ways to bank FAQs. Payments and transactions how-to guides.

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 some options for paying your monthly credit card statement.

1. Westpac One® digital banking.

Make payments to your credit card easily in Westpac One. Go to Accounts, select Pay/Transfer and follow the steps.

If you haven't registered for Westpac One, call our dedicated Westpac One team on 0800 400 600 weekdays between 7am and 8pm, and on weekends and public holidays bewteen and 8am to 5pm and press option 6.

2. Set up a direct debit or automatic payment.

Use direct debit

If you want to automatically pay your credit card each month, you can set up a Direct Debit. Choose to pay either the full statement balance (to avoid interest and fees), or a fixed amount or the minimum payment. 

To set this up, complete a Direct Debit form, and we’ll automatically take the payment from your bank account to pay your credit card account each month if there is enough money in that account for the payment to be processed.  

  • It takes three business days to set up the new Direct Debit.  If you want to change your direct debit then you’ll need to tell us at least three business days before the direct debit is due.
  • If you get a new card with a new card number, you’ll need to complete the form again. You’ll also need to change over any subscription services you may have (such as Netflix) and regular payments (like your power company, telecommunications or public transport provider) - to your new card.

 Print the direct debit form and take it to your nearest branch.

Set up an automatic payment

If you only want to pay a fixed, consistent amount toward your credit card debt each month you can set up an automatic payment. You’ll need to make sure there is enough money in that account for the payment to be processed each month. 

3. Pay from another NZ bank account.

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
  • Our Card Payments account number: 03 0990 0998907 82
  • 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. 

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 from an overseas bank by Telegraphic Transfer.

You can make a one-off telegraphic transfer to your credit card from an overseas bank account.

To set up a Telegraphic Transfer you'll need:

  • Beneficiary Bank Swift Code: WPACNZ2WXXX
  • Beneficiary account number: The 16-digit card number or 12-digit account number that the payment is for
  • Beneficiary Name and Address: Customer's name on card and their address details
  • Details of Payment (reference): Customer's surname and initials

These payments will reach your credit card account within 1 working day.  Any payments that don’t have the required details will be returned to your bank account.  

5. 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.

More on automated phone banking

6. Pay at a Westpac branch.

Make a payment over the counter at any Westpac branch in New Zealand.

Find a branch

7. 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.

Find an ATM

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 digital banking

Airpoints Business Mastercard and BusinessPLUS Mastercard.

If you have an Airpoints Business Mastercard or a BusinessPLUS Mastercard, as a business credit card, the balance of the card should ultimately be settled by the business. This means that any repayments should either be settled from an account of the business or from your personal bank account (as the cardholder) and then reimbursed by the business.

Things you should know.

1If 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.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.