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Travelling overseas checklist

Let us know when and where you’re going

It's a good idea to let us know when and where you're heading overseas and intend using your credit card. We'll record your travel details and monitor the security of your credit cards while you're away.


Save on fees with our Global ATM Alliance Network

You can use your credit card to make purchases or withdraw cash at ATMs while you are overseas.
There’s nothing like 50,000 Global Alliance ATMs to keep you going. If you need to take out cash from your credit card account (known as a cash advance) whilst overseas, you will pay no ATM withdrawal fees at Westpac’s Global ATM Alliance partners, including Barclays, Deutsche, Bank of America and more. Other fees and charges apply to cash advance transactions.


Be aware though that the following fees and charges are charged when withdrawing cash from ATMs overseas:

  • Westpac will charge a $5 fee when you withdraw money from ATMs not part of our Global ATM Alliance. However, checking your account balance is free and account balances will be displayed in local currency.
  • Some overseas banks may apply an additional fee for ATM withdrawals. This should be brought to your attention before you proceed with the transaction and can be avoided by using one of our Global ATM Alliance partner ATMs.


A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction.


The percentage will vary depending on the applicable credit card scheme:

(1) Transactions in foreign currency

  • Visa and MasterCard®: 3.0%
  • American Express®: 3.5%


(2) Transactions in Australian dollars and the merchant or financial institution accepting the card is
located overseas:

  • Visa and MasterCard®: 3.0%
  • American Express®: 0.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

Check your card expiry date

Make sure your credit card isn’t due to expire while you’re overseas. If your card will expire while you’re away, give us a call before you leave. 

Check your complimentary insurance

Depending on the type of credit card you have, you may be covered by complimentary overseas travel insurance. However, it’s important you find out first if you are eligible and if you are, what you’re covered for:

Complimentary overseas travel insurance (PDF 325KB)

Credit Cards Complimentary Insurance Policy (PDF 323kb) (PDF 325KB)

Depending on your destinations and time away, this cover may not fully meet your needs.

Make sure you know how to contact us in an emergency

For lost or stolen cards:


You can contact the Telstra Australia Direct® Reverse Charge access number for the country you're in to book a reverse charge call. Then request the call be placed to +61 2 9293 9270 (24 hours a day, 7 days a week). Please note that calls made from mobile phones or hotel rooms may attract additional charges, not covered by the reverse charge service.

Consider a credit limit increase

Ensure your credit limit is sufficient, if not you can apply to increase your credit limit.

Things you should know

MasterCard® is a registered trademark of MasterCard International Incorporated.

American Express® is a registered trademark of American Express.

The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. 

Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.