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Activating your Westpac business credit or debit card

Have your card details to hand and you can be up and running in minutes.

How do I activate my business credit or debit card?

If you already have a personal account and are registered for Online Banking or have the Westpac App, you can activate your new card in three simple steps.

Using Online Banking:

  1. Select Service
  2. Under Card services select Activate Card
  3. Enter the card number and expiry date, then select Activate.


What if I’m not registered for personal Online Banking?

You can activate your business card over the phone by calling us on 1300 308 930 available 24/7.

Or if you have an account in your personal name and are happy to access it online, simply register for online banking then activate your card following the steps above.

I’m an additional card holder. How do I activate my card?

Altitude Business Platinum Mastercard® and Altitude Business Gold Mastercard:

Each cardholder will need to activate their own credit card following the steps above. 

The primary cardholder (that’s the person who opens the credit card account with us) must activate their credit card first, before the secondary cardholder can use their card. 

BusinessChoice Reward Platinum Mastercard and BusinessChoice Everyday Mastercard:

For Joint and Several Liability BusinessChoice Card facilities - Each cardholder will need to activate their own credit card following the steps above.

Principal 1 and Principal 2 must activate their own credit cards before you can use your card. Once Principal 1 and Principal 2 activate their cards, all activated cards under this account can be used the following business day.

For Business Liability BusinessChocie Card facilities - Each cardholder will need to activate their own credit card following the steps above. 

Anything else I need to do?

Set or change your PIN

You can set a PIN when you activate your card online. To find out how, see our guide to setting or changing your PIN.

Enhance your card security

Your card is already protected by a range of security measures including 24/7 Fraud Protection. For additional security, please sign the back of the card as soon as you receive it.

Consider setting up recurring payments

Recurring payments are a handy way to pay your regular bills such as power, gas and phone automatically from your credit or debit card. They can take the hassle out of remembering when your regular expenses are due, and some companies even offer discounts if you pay by automatic payment.

To set up automatic payments you’ll need to contact each service provider and supply them with:

  • Your Westpac card number
  • Card expiry date
  • Card verification value (CVV) - this is the last 3 digits on the back of your Mastercard or Visa.

Manage any previous recurring payments

If your card has been reissued after being lost or stolen, the card details (number, expiry date and CVV) will be different. Some details may also be different if the card was reissued because of damage, or if it expired.

You’ll need to give the new details to any companies that were automatically debiting your previous card for services such as phone, electricity or rent. You can do this by giving them a call or checking their websites to see if you can update online.

Things you should know

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks of, and PayPassTM is a trademark of, Mastercard International Incorporated.