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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 Westpac Online Banking or have the Westpac App, you can activate your new card in four simple steps.

Using Online Banking:

  1. Sign into online banking using your 8-digit customer number and password
  2. Select Services from the Services and Preferences menu
  3. Select Activate Card
  4. Enter the card number and expiry date then select Activate.


Using the Westpac App:

  1. Sign in to the app
  2. Select Self serve from the bottom menu
  3. Select Activate card in the Card Services section. 
  4. Follow the instructions in the app to activate the card. 


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:

The primary cardholder (that's the person who opens the credit card account with us) must activate their credit card first before you can activate yours.

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

BusinessChoice Reward Platinum Mastercard and BusinessChoice Everyday Mastercard:

Principal 1 and Principal 2 must activate their own credit cards first. All credit cards – including additional cardholders – will be active the following day.

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 number - this is the last 3 digits on the back of your Mastercard or Visa.

Some companies offer the facility to provide card details on their websites. However, with others you’ll need to provide them over the phone or in writing.

Manage any previous recurring payments

If your card has been reissued as a result of 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.