Site index | Contact us | Locate us

Back to: Credit card solutions

Managing your card

Cards Customer Service
Call Centre 1300 651 089

Convenient services

Automatically pay your monthly balance
Integrate your card with Internet Banking
Transfer recurring debits
Pen or PIN verification

Get the most out of your card

Increase your credit limit
Transfer balances to your Westpac card
Change your card to a different Westpac card
Add another cardholder

Using your Altitude Card for business?

Convenient services

Card Autopay⁴
If you find yourself struggling to remember to pay your credit card on time or are too busy to organise payments, you can have peace of mind with Card Autopay. It's a free service that automatically pays a nominated amount to your card monthly. You can choose to pay the full balance, a percentage of the balance, or a set amount.

To apply for Card Autopay call Westpac Card Services on 1300 651 089 or complete the form below and send it to:

Card Autopay
IBN 29 CW
GPO BOX 3433
Sydney NSW 2001
Australia

or fax it to (02) 9767 0769.

Card Autopay request form (PDF 122kb)

Internet Banking²
Access your account and do your banking online, anytime day or night. If you're registered with Internet Banking you can:

View your account balance
See the last 100 days' transactions
Transfer money to pay off your accounts
Pay bills displaying the BPAY logo
Choose to stop receiving paper statements
See and print your last seven years' statements free

To find out more about Internet Banking see our User's Guide.

Transfer your recurring direct debits
Do you have a new Westpac credit card but still have recurring direct debits being charged to your old credit card account?

Companies may be automatically debiting your credit card for services such as phone, gas and electricity, internet and pay TV access or health club memberships. If you have a new credit card, you will need to advise these companies of your new card details.

For most companies a phone call will be sufficient to change your credit card details. You may also be able to update your details online.

If you need to provide your new account details in writing, our online form can help you generate the letters required. Then you can print and send the letters to your service providers.

Pen or PIN verfication
Credit card transactions have always required your signature. That will change from 4 June 2008 when – at participating merchants – you will have the option of using the card's 4-digit PIN (personal identification number) instead. Of course, you can continue to sign as you've always done. The choice is yours.

Keying in your PIN can be more convenient than signing because it's quicker: no more juggling pen, purchases and paper. Just enter your PIN and you're done.

Find out more:

Pen or PIN options and which cards are impacted
Read our FAQs
Call us on 1300 788 384 (Monday-Friday 8am-8pm EST).

Get the most out of your card

Credit limit increase
Need extra funds for a large purchase or in case of emergency? With an increase to your credit card limit you could afford the little (or big) extras, or consolidate all your expenses (groceries, petrol, travel, gifts) on the one card, as a way of better managing your finances.

Existing Online Banking customers can save time completing this application by doing so online. Once signed in, your details are automatically (and securely) included in the form, meaning less data for you to fill in. It also means you'll get a decision within 60 seconds.

>> Apply now to increase your credit limit

Not a Westpac Online customer?

You can also apply for a credit limit increase by calling 1300 651 089. In most cases a decision can be made within 15 minutes and a confirmation letter will then be sent.

Balance transfer³
Consolidating your finances on the one card could save you the cost (and trouble) of maintaining several accounts. Simply transfer the balances of any credit, charge, or store card to your Westpac credit card. If you like, we can contact the other financial institutions or stores for you.

Existing Online Banking customers can save time completing this application by doing so online. Once signed in, your details are automatically (and securely) included in the form, meaning less data for you to fill in. It also means you'll get a decision within 60 seconds.

>> Apply now to transfer balances

Not a Westpac Online customer?

If you are not registered for Online Banking, you can easily submit your credit card request by downloading and completing this

Balance transfer form (PDF 56kb).

Filling in the form should only take you between 5-10 minutes. Once the form is completed and signed, post it to us at:

Westpac Card Services
Reply Paid 4318
Sydney NSW 2001

Please provide sufficient time (a minimum of 10 working days) tp process your request.

Change your existing Westpac credit card
If you already have one of our credit cards, but you would like to change to another Westpac credit card complete one of the applications below.

Existing Online Banking customers can save time completing this application by doing so online. Once signed in, you're details are automatically (and securely) included in the form, meaning less data for you to fill in. It also means you'll get a decision within 60 seconds.

>> Apply now to change your existing card

Not a Westpac Online customer?

If you are not registered for Online Banking, you can easily submit your credit card request by downloading and completing the PDF form below and forwarding it to Westpac. Filling in the form should only take you between 5-10 minutes.

Credit card switch application form (PDF 78kb).

Additional card¹
You can apply for an additional card free of charge, and share the same line of credit with a family member, as long as they are over 16 years.

Existing Online Banking customers can save time completing this application by doing so online. Once signed in, you're details are automatically (and securely) included in the form, meaning less data for you to fill in. It also means you'll get a decision within 60 seconds.

>> Apply now for an additional card

Not a Westpac Online customer?

If you are not registered for Online Banking, you can easily submit your credit card request by downloading and completing this

Additional Card Request Form (PDF 60kb).

Filling in the form should only take you between 5-10 minutes. Once the form is completed and signed, post it to us at:

Westpac Card Services
Reply Paid 4138
Sydney NSW 2001

Please provide sufficient time (a minimum of 10 working days) to process your request.

How to use your card wisely

Lost or stolen card⁵
To report a lost or stolen card please notify us immediately so that we can stop all transactions on your account. Contact our Cards Customer Service Call Centre:

Australia – 1300 651 089
Overseas – 61 2 9374 7082 (reverse charges)

If you report a lost or stolen card by phone or at a branch, the credit card can be stopped immediately. A replacement card will be mailed to you or sent to a branch for your collection. This will take 4 working days in metro areas and 6 working days in regional areas.

Using your Altitude Card for business?

Use of your Altitude consumer card predominantly for business transactions is a breach of your Consumer Credit cards conditions of use. Switch to an Altitude Business Limited Edition card and continue to earn Altitude points on your business spend.

Download the credit card switch application form - Altitude Business Limited Edition Card (PDF 475kb)

Pen or PIN

You now have a choice when verifying transactions with certain credit cards; either sign as normal or key in your PIN.

Lost or stolen cards?

Secure Sentinel offers a card registration facility and other security solutions.

Overseas payments

Find out how to transfer funds to or from an overseas account.

Transaction dispute

Find out what you need to do to dispute a transaction (PDF 138kb) on your credit card.

Got a question about Credit Cards?

General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our Australian Prudential Regulation Authority Registrable Superannuation Entity (RSE) Licence & Registration numbers.

By accessing and viewing this website you agree to be bound by the Terms and Conditions of this website.

To view the attached PDF file you will need Adobe Acrobat Reader Version 4.0 and above. If you do not already have Adobe Acrobat Reader download it here. To convert a PDF file to ASCI or HTML format, use Adobe's online PDF conversion tools. Acrobat and the Acrobat logo are trade marks of Adobe Systems Incorporated.

1. The primary cardholder is responsible for the use of the additional card and must pay for all transactions made by the additional cardholder, including any charges, until the additional card is returned to the Bank.
2. Some billers do not accept credit card payments via BPAY ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
3. Balance transfers are treated as cash advance transactions so that interest will accrue on amounts transferred from the date the transfer is debited to your account. Balance transfers are subject to available credit limit and to your Westpac credit card being in good standing. You will receive a letter from us confirming your transfer has been received and your request has been communicated to the bank or financial institution that issued the other card(s). Balance transfers which gain the benefit of a special promotional rate are only available to customers who are applying for an applicable Westpac card and wish to transfer the balance(s) from a non-Westpac credit card(s). charge card(s) or store card(s). This offer is only available at point of application. After 6 months the balance transfer rate will switch to the annual percentage rate applicable to cash advances for your credit card and any outstanding balance will not gain the benefit of any interest free days. Any subsequent balance transfer requests will be charged at the annual percentage rate applicable to cash advances for your credit card and will be treated as a cash advance with no interest free days applying to them. Please note that payments made to your credit card account are first applied to any amounts transferred from other credit cards, charge cards or store cards under this offer, before they are applied to any other cash advance or purchase amount. This will mean that the portion of your outstanding balance that is subject to a lower interest rate will be paid off first and that you will not gain the benefit of any interest free period until the full balance (including any balance transfer) is paid by the due date each month.
4. It will take one full statement cycle for Card Autopay to take effect. You are free to change or cancel the plan at any time, by giving us 7 days notice, by calling the Cards Customer Service Call Centre on 1300 651 089. If the outstanding balance of your credit card account is less than $10, the full closing balance will be paid. If 2% of your closing balance is less than $10, then $10 will be paid. If 2% of the closing balance is greater than the set amount, then the 2% will be paid. If the closing balance is less than the set amount, only the closing balance will be paid.
5. A courier cost of $20 will be charged to your card for overseas delivery.

Products and services described here are only available in Australia. Full details of terms and conditions for Westpac's credit card products are available on application. Terms and conditions, including bank fees and charges, may be varied or introduced at any time.