Here are some FAQs to help you:

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Are Westpac Extras on top of any in-store sales, discounts, loyalty benefits, and credit card rewards points?

Yes.

What is Westpac Extras?

Westpac Extras is a program where we've partnered with some of Australia's favourite brands to reward our credit card customers with personalised cashback offers. It's Simple! Visit the “Discounts and Extras” page in the Westpac Rewards hub where you will find all your available Westpac Extras offers. When you receive and offer, simply shop at the featured store using your eligible Westpac credit card and you'll get a statement credit in your account for each eligible transaction. The offers are on top of any in-store sales, discounts, loyalty benefits and credit card reward points you may receive.

How do I qualify for the Westpac Extras offers?

If you see a cashback offer you like, you’ll need to meet the minimum spend requirements and number of transactions required at the featured store between 12:00AM AEST on the Start date and 11:59PM AEST on the End date to qualify for a cashback on your card.

The relevant date for determining eligibility is the date of the transaction as it appears on your monthly card statement. You just need a 'eligible' Westpac credit card. Each Westpac Extra offer is subject to its own terms and conditions, explained in Westpac Online Banking.

How do you tailor my offers?

When you use your eligible Westpac credit card we'll take a note of where you like to shop and send you offers, but from time to time we’ll give you other offers that we think you’ll also love.

Why haven’t I got any offers yet?

If you haven't received any offers, , it could be because there are none available that match your spend history or we haven't found any we think you'll love.

Does the cashback statement credit contribute to my minimum monthly payment?

No. You still have to pay the full minimum monthly repayment otherwise you’ll be charged a late payment fee. The statement credit does, however, decrease your outstanding account balance.

How often will I receive Westpac Extras offers?

Westpac Extras offers will be updated regularly throughout the month and will be available in the “Discounts and Extras” page in the Westpac Rewards hub.

Westpac Rewards hub – to access these offers, your must be registered with Westpac Online Banking. If you have not registered or have forgotten your login details, click here.

Which Westpac credit cards are eligible?

Most Westpac branded consumer credit cards and Altitude Business credit cards are eligible.

At this stage, these cards aren’t included: Westpac BusinessChoice, Westpac corporate credit cards, Westpac consumer or business debit cards.

Purchases made using an online payment platform such as PayPal are not eligible (even where an Eligible Credit Card is linked to that online payment platform).

Purchases made using PartPay are eligible where an Eligible Credit Account is linked to your PartPay Card.

How do I opt-out?

To unsubscribe from Westpac Extras offers, visit the “Notification and communication” settings in Westpac Online Banking to change how you choose to see your rewards offers.

Do I need to opt in?

No. If you have an eligible Westpac Credit Card, you'll will be automatically enrolled into the Westpac Extras program.

How long does it take to receive cashback and points?

You will receive the cashback amount as statement credits on your card account. The statement credit will generally be credited to your account 7 days after you've spent the qualifying amount on your eligible Westpac credit card or up to 30 days if any redeemed offers are disputed. In addition, please wait an additional 3 business days if the transaction was made during a public period holiday. If your credit card is being replaced please allow an additional 5 business days after you receive your replacement card for the statement credit to be processed.

If you have any further questions about your statement credit, call the number on the back of your credit card between 8am - 8pm, Monday to Friday (Sydney time).

I’ve spent at a participating store during the offer period, but haven’t received my cashback on my credit card. What can I do?

Please ensure you allow 7 days for your statement credit to be processed or up to 30 days if any reward offers are disputed. It will appear as ‘Westpac Extras rewards’ on your statement or ‘Extrasrewards’ if viewed via Online Banking transactions history.

There are a number of reasons why you may not have received your cashback.

• Your purchase is not eligible if you did not select ‘credit’ at the time of making your purchase (i.e. you selected ‘savings’ or ‘cheque’ instead).
• Your purchase is not eligible if you used an online payment platform such as PayPal when buying from an online store. Purchases made via a linked online payment platform are not eligible for the cashback offer.
• If your transaction was made during a public holiday period, allow an additional 2 - 3 business days for the statement credit to process.
• If your card is being replaced, allow an additional 5 business days after you receive your replacement card for the statement credit to be processed.

If you have made an eligible purchase and cannot locate your statement credit, you can call the number on the back of your credit card between 8am - 8pm, Monday to Friday (Sydney time) for assistance.

I have a Westpac Rewards card, do I still earn Rewards Points on Westpac Extras offers?

Yes. You will continue to earn Rewards Points in addition to your cashback on eligible purchases.

I have an additional cardholder on my account. Can they take advantage of the offer?

Yes. Additional cardholders are eligible to take advantage of the offers received by the primary cardholder. Any cashback received as a result of an additional cardholder making an eligible purchase will be credited to the primary account holder’s card.

Can I transfer my offers to a friend or family member?

No. These offers have been customised for you based on your spending habits and are not transferrable to anyone else.