Let us know when and where you’re going
Always let us know when you’re travelling overseas and intend to use your credit card. We'll record your travel details and monitor the security of your credit cards while you're away.
You can call us on:
- Altitude Business Cards
- BusinessChoice & Debit Cards
If you’re unable to access your Australian mobile number but you have a temporary overseas mobile number, let us know by calling the number on the back of your card. Our Westpac Added Online Security Service protects you when you’re shopping online and you may need to receive a ‘One Time Password’ via SMS in order to verify your online transaction. This SMS can be received using your temporary overseas mobile number.
Keeping transactions safe and secure
Westpac credit cards are protected by CardShield™, which includes fraud detection, Online Protection and CHIP security features. Where possible, use a PIN instead of your signature to verify credit card purchases.
Our Westpac Added Online Security Service also protects you when you’re shopping online with participating online retailers. Make sure you keep your mobile phone number and email address up to date.
Save on fees with our Global ATM Alliance Network
You can use your credit card to make purchases or withdraw cash at eligible ATMs while you are overseas.
There’s over 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 you a $5 fee in local currency when you withdraw money using your HandyCard or Debit Mastercard from ATM's 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, however we cannot guarantee this. The fee 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%
(2) Transactions in Australian dollars and the merchant or financial institution accepting the card is
- Visa and Mastercard: 3.0%
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 callbefore you leave.
Check your Complimentary Insurance
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:
- +61 2 9155 7700 (24/7)
Please note that calls made from mobile phones or hotel rooms may attract additional charges.
Things you should know
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.