Make your credit card work for you.

Take control with Westpac One® online banking

You can do so much in online banking: apply for a change to your credit limit, let us know when you’ll be spending with your card overseas, or keep an eye on your balance and upcoming payments. You can also temporarily block your card using Westpac One if you misplace it (without having to cancel it straight away).

Learn about online banking

Consider a balance transfer

If you have any outstanding debt elsewhere, such as an outstanding balance on hire purchases, store cards, another bank’s credit card or personal loan, you could pay this off faster with a balance transfer1.  

More on balance transfer

Set up your payments

By setting up your monthly credit card payment in advance in Westpac One, this could help you to avoid interest charges. If your Westpac credit card is new, don’t forget to change any existing direct debits to your new card number.

Go to online banking to set up payments

Set and forget regular bills

Pay your subscriptions for things like the gym, gaming, music, TV and movie streaming services with your card and to ensure no interruption to your services.

More tips.

Get rewards sooner

If you have an Airpoints™ or hotpoints® credit card, here’s a tip: put your everyday purchases on your card, not just the big-ticket items, and you’ll earn hotpoints2 or Airpoints Dollars™ faster3 – meaning you can reward yourself faster too. Make sure you pay the balance on your card off in full each month to avoid paying any interest.

Managing your card’s interest-free period

Each Westpac credit card has an interest-free period of up to 44 days or up to 55 days on purchases. Interest free days give you access to interest free credit if you pay off your balance in full by the payment due date.

If you only pay off part of your outstanding balance by the payment due date, you’ll pay interest on your purchases from the day you made them. To enjoy interest free days on your purchases, you’ll need to pay off the full balance (excluding balance transfers) by the payment due date in a future statement month.

Interest free days are not available on cash advances, balance transfers or interest and fees.

Learn about how and when interest is charged 

Want tips to help pay off your credit card debt? 

Check out our six suggestions to help you pay off your credit card debt faster.

Learn about paying off my card faster

Handy tools.

Track your spending

CashNav lets you track and categorise your spend so you can see where your money is going and better understand your spending habits. 

Learn more

24/7 protection

CardGuard® you’re protected 24/7 from fraudulent activity4. So you can use your card anywhere Mastercard is accepted5, any time, and leave your worries behind.

Learn more


Turn on a range of email or TXT alerts about your credit card, payments and more - so you always know what’s going on with your money.

Learn more

Things you should know.

1Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. Interest rates and fees are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. You must close any facilities indicated in this application as being repaid by the Balance Transfer.

 2 Hotpoints terms and conditions apply. Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit Card Conditions of Use for details.

3 You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints. Airpoints terms and conditions apply. Certain purchases and transactions are not eligible to earn Airpoints Dollars™ - see the applicable Credit Card Conditions of Use for full details.

Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.

5 Westpac cards cannot be used in the following countries:

  • Cuba
  • Iran
  • North Korea
  • Russia
  • Darfur region of Sudan
  • Syria
  • Crimea region of Ukraine
  • Donetsk region of Ukraine
  • Luhansk region of Ukraine.

This list was last updated on the 4 March 2022 and is subject to change. This list of prohibited countries can change at any time. For more information, refer to the Westpac Credit Card Conditions of Use.

Eligibility criteria, Lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.