Increase your credit card limit
You can request to increase your credit limit in the following ways:
Things you should know
Westpac’s lending policies and guidelines are designed to ensure we lend responsibly. Before applying to increase your credit limit, please make sure you’re comfortable with the higher monthly payments and higher credit limit.
To manage your credit card, just remember these two simple rules:
- Always aim to pay off more than your monthly minimum amount as making minimum payments is not an effective way to manage your credit card debt.
- Make sure your credit limit is realistic. Call us if you want to reduce your credit limit, and it’ll be effective immediately.
There are sometimes reasons, such as job loss or illness, that could lead even the most responsible borrower into temporary financial difficulty. If you find yourself in this position, just call us on 1800 067 497 (8.30 am-7.30 pm, Mon – Fri & 9.30 am-5.00 pm, Sat, AEST).
Terms and Conditions: Credit criteria apply. We’ll write to you within 20 days of receiving your application to confirm any changes to your credit limit. We reserve the right to decline your credit limit increase application including where your application is incomplete or where your card account is not in order.
The information on our website is prepared without knowing your personal financial circumstances. Before you act on this, please consider if it's right for you.