We’ve got your security covered with our Fraud Money Back Guarantee. You can also add another layer of protection when you shop at participating online retailers registered with Mastercard Identity Check™ and Visa Secure through Westpac’s Added Online Security service.
Westpac Fraud Money Back Guarantee
Our Westpac Fraud Money Back Guarantee ensures that the cardholder will be reimbursed for any unauthorised transactions claims provided that you haven’t contributed to the loss and contacted Westpac promptly. Refer to your card’s terms and conditions for full details of when a cardholder will be liable.
Complimentary Extended Warranty Insurance and Purchase Protection Insurance cover[#]
Depending on the credit card you have, if you use your credit card to purchase new personal items it may offer complimentary Purchase Protection Insurance cover as well as an Extended Warranty Insurance.
Look out for any fees and charges
Shopping online is convenient, but it’s important you’re aware of any extra fees - particularly when shopping at overseas sites
A Foreign Transaction is any Purchase or Cash Advance made using the Card:
- in a currency other than Australian dollars; or
- in Australian dollars or any other currency with a Merchant located outside Australia; or
- in Australian dollars or any other currency that is processed by an entity located outside Australia.
Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.
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 located overseas:
- Visa and Mastercard®: 3.0%