Westpac Banking Corporation

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Using my credit card overseas

You can use our card at many places overseas

Westpac cards are widely accepted internationally. You can:

  • Make purchases at over 28 million locations worldwide
  • Access cash at over 900,000 ATMs worldwide.

Fees for using your card overseas

  • For all Cards other than Altitude American Express Card and Altitude Gold American Express Card:
    We charge a fee of 2% of the Australian dollar value of any purchases or cash advances/withdrawals when the applicable credit card scheme converts the transaction from a foreign currency into Australian dollars. This fee is shown on your statement.
  • For Altitude American Express Card or Altitude Gold American Express Card:
    We charge a fee of 1.5% of the Australian dollar value of any purchases or cash advances/withdrawals when the applicable credit card scheme converts the transaction from a foreign currency into Australian dollars. This fee is shown on your statement.

The applicable credit card scheme may also charge Westpac fees for processing foreign transactions. We pass these fees on to you. The fees vary depending on the applicable credit card scheme:

  • Visa Worldwide PTe LTD fee – 1.0% 1
  • American Express ® foreign exchange conversion fee – 1.5% 2
  • MasterCard ® Issuer Cross-Border Assessment 3 of 0.8% plus MasterCard ® Currency Conversion Assessment 4 of 0.2%.
Things you should know
  • Important: If you are applying for a selected credit card at the same time or after your Premier Advantage Package is set up, or if you are switching or upgrading from an existing Westpac credit card, or if you are accessing employee benefits, you are not eligible for any special promotional offers (such as any promotional balance transfer rate) available at point of application. Please check the details at card application. Fees and charges are payable. Credit card applications are subject to Westpac's normal lending criteria. An additional credit card can be issued on the primary cardholder’s credit card account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. Information about a third party’s products or services is provided for convenience only and does not represent an endorsement by Westpac of the products and services.
  • 1. Visa Worldwide PTe LTD charges us 1.0% of the transaction amount where a transaction is made using your Visa Card and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
  • 2. American Express  C International Incorporated charges us this fee on the transaction amount for converting foreign currency transactions made using an American Express ® into Australian dollars. We pass this amount on to our customers.
  • 3.MasterCard ® International Incorporated charges us 0.8% of the transaction amount when a transaction is made using your MasterCard ® and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
  • 4.MasterCard ® International Incorporated charges us 0.2% of the transaction amount for converting foreign currency transactions made using a MasterCard ® into Australian dollars. We pass this amount on to our customers.
  • American Express® is a registered trademark of American Express.
  • MasterCard® and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.