Frequently Asked Questions
The Westpac MasterCard Gift Card is a prepaid card that can be used at millions of locations where MasterCard is accepted for electronic purchases (excluding automated fuel pumps, gambling merchants and at some merchants displaying the MasterCard logo that elect not to accept MasterCard or Visa gift cards). It carries the MasterCard logo like any MasterCard credit or debit card, but because it is a prepaid card, spending is limited to the amount of money placed on the card at the time of purchase.
Please follow these steps if you think there is a mistake with one of your gift card transactions:
Step 1
Ensure that the transaction amount is correct before you sign sales vouchers or transaction records given to you by merchants. By signing a sales voucher or transaction record you indicate your agreement that the transaction amount is correct. You also agree that the amount shown on any sales voucher or transaction record is sufficient evidence of the cash price of the goods or services to which that voucher or transaction record relates.
Step 2
Check the transactions shown online or provided by phone carefully.
Step 3
If you wish to dispute an amount deducted from your Westpac MasterCard® Gift Card, please complete the 
Disputed Transactions Form (PDF 49kb), and post the original signed copy to:
Westpac MasterCard Gift Card
GPO Box 3433
Sydney NSW 2001
Please note that this service is provided by an external company, eFunds Prepaid Solutions.
Note
If you do not dispute an amount within 90 days from the date of the transaction, our ability to obtain a refund (if applicable) may be restricted under the MasterCard scheme rules. Please read clause 7.2 of the Conditions of Use to obtain details of your liability where unauthorised transactions are made using the gift card.
Yes. The minimum amount that can be loaded onto the Westpac MasterCard Gift Card is $15AUD and the maximum amount is $800AUD.
The following fees apply to the Westpac MasterCard Gift Card:
- Purchase of the Gift - $4.95 (including GST) at the time of purchase from a branch or $5.95 (including GST) when purchased online
- Overseas transactions - 1.00%p.a. of the AUD transaction value when you make a purchase at an overseas merchant
- Gift Card Call Centre (when dialling 1800 204 965 in Australia or +61 2 9293 9292 from overseas). There is no fee for using the automated phone service to obtain the balance only, however if you obtain more than your balance your will incur charges - $1 (including GST) to use the automated phone service and an additional $3.50 (including GST) to speak to an operator.
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Yes. The gift card does expire and the date is indicated on the front of the card. You will have a minimum of 12 months to use the balance on the card.
The Westpac MasterCard Gift Card can be purchased from any Westpac branch or in-store location throughout Australia or online.
If you buy a card inbranch your payment options are - cash, debit a Westpac Bank Account or cash advance on any credit card. If you buy card online you can pay with either a VISA or MasterCard.
No. Westpac and non Westpac customers can purchase a Westpac MasterCard Gift Card.
When you buy from a Westpac branch
In addition to the Westpac MasterCard Gift Card you'll receive a copy of its Conditions of Use and a greeting card, so you can write your own personalised message to the recipient of your Gift Card.
When you buy online
Your Westpac MasterCard Gift Card will be posted to you in a standard envelope with a letter detailing your activation method and a copy of the Conditions of Use.
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The Westpac MasterCard Gift Card can be used in Australia and overseas, at millions of locations where MasterCard is accepted for electronic purchases (excluding automated fuel pumps, gambling merchants and at some merchants displaying the MasterCard logo that elect not to accept MasterCard or Visa gift cards), up to the maximum amount available and expiry date on the gift card.
You can't use your Westpac MasterCard Gift Card:- At an ATM for any purpose
- To withdraw cash
- For recurring payments, direct debits or instalments
- At gambling merchants
- At automated petrol pumps
- To make a purchase beyond the card balance
You press the CREDIT button when making a purchase. This will process your purchase as a MasterCard transaction. You will then be asked to sign to authorise the purchase.
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Some merchants have chosen not to accept Gift Cards from MasterCard or Visa.
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Check your balance and transaction history shown online for free.
You can also call 1800 204 965 (or +61 2 9293 9292 when overseas). Please note if you obtain more than your balance you will be charged a fee(s).
No, but you can check your transaction history and balance online for free.
No. The Westpac MasterCard Gift Card is an 'anonymous' card with 'Gift Card Holder' appearing in the customer line instead of your name.
No. There is no PIN provided with the Westpac MasterCard Gift Card. All transactions are made at EFTPOS terminals by pressing the CREDIT button and signing for the purchase.
No. The card cannot be reloaded and once the balance is used the card becomes invalid.
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There is no minimum age restrictions associated with purchasing and using the Westpac MasterCard Gift Card. However, the recipient must be able to sign their name.
Please note that the signature panel on the back of the Westpac MasterCard Gift Card must signed immediately by the gift card recipient.
Return and refund policies vary by merchant. If a credit is issued to you, it may not be added to the available funds for up to 2-5 business days depending on the merchant processing and the country in which the transaction was made. Check your balance to determine if your card has been credited for the return.
Any remaining balances will be forfeited after the expiry date, so we encourage customers to use the entire gift amount before the card expires.
Any transaction that is greater than the available balance will be declined.
We will replace the card at any branch or in-stores, with any remaining funds will be transferred across.
The Westpac MasterCard Gift Card is like cash and if lost or stolen it cannot be replaced.
The card is flat printed which means the personalised information on the card is not raised but thermally printed onto the card. As a result the card can't be used at merchants that use 'click clack' devices and can only be used for electronic purchases.
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