Six smart ways to pay off your credit card.

1. Pause the spending while you pay it off

It’s hard to make progress when new charges keep adding up. Try using a debit card for everyday spending while you focus on paying down your credit card.

Tip: Take your card out of your wallet or remove it from mobile wallets – even a small barrier can help you pause before tapping.

2. Pay more than the minimum

If you only pay the smallest amount your credit card bill asks for each month, your account will stay active and avoid late fees. But over time, you could end up paying a lot more because of interest. Even paying a little extra can save you money in the long run.

Example: If you owe $1,000 and only pay the minimum, it could take years to clear the balance. Pay just $50 extra each month, and you’ll clear it faster – and save on interest.

3. Look for spending leaks

You don’t need to cut out everything – just spot a few easy wins.

Review your last two months of spending and ask:

• Did I use that subscription?   
• Could I pack lunch twice a week?
• What’s one thing I could do differently for a month?

Use our budget calculator to see where your money is going.

4. Automate your repayments

Setting up an automatic payment helps make credit card repayments part of your routine – not an afterthought.

You can:

• Set up a direct debit to pay the minimum, full balance, or a fixed amount
• Use Westpac One or your banking app to schedule automatic payments after payday.

Even if it’s just $20 a week, automation helps you stay on track – and avoid late fees.

Find out how to set up an automatic payment in Westpac One.

5. Consider a balance transfer

You may be eligible to transfer your balance to a card with a lower interest rate. This can buy you time to pay off debt faster, but only if you avoid adding new purchases.

Learn more about balance transfers

6. Explore a personal loan to consolidate

If you’ve got multiple debts, rolling them into one personal loan can help simplify repayments and potentially lower your interest rate.

This way, you’ll know exactly when the debt will be paid off, and how much you’re paying each month.

Learn more about a debt consolidation loan

This page is for general information purposes only and does not take your financial situation or goals into account.

Credit Cards terms and conditions, eligibility criteria and lending criteria apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.

Westpac One App Terms and Conditions which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use apply.

Balance Transfer Terms and Conditions and lending criteria apply.

Personal Loans Terms and Conditions, eligibility criteria and lending criteria apply.