FAQs - Closing your Credit Card or Viewing your Payout Amount

We are unable to cancel these on your behalf. Please check your online banking to view a list of your recurring payments and ensure you cancel any other regular payments you've authorised on this credit card account. You will remain liable for charges you authorise before you request cancellation, including any recurring payments that continue to be processed until you withdraw your authorisation from the merchant.

If you have any Altitude Rewards Points, please contact the Altitude Rewards Centre on 1300 887 820 to redeem them as you will no longer be able to redeem them online upon cancellation of your card. Please note that Altitude Rewards Points expire 90 days from account closure.

Upon closure your PartPay card will no longer be visible in your Accounts Hub and will be removed from your digital wallet. The credit card payout amount provided to you when you start the credit card closure process will also include your total PartPay balance.

Upon closing your credit card, you will no longer be able to use PartPay to pay your outstanding credit card balance.

Your card will no longer work within your digital wallet as the card is closed.

If you close your card in the Westpac App or Online Banking, you will be provided an instant digital closure confirmation letter. You will also receive same day email confirmation to your nominated email address.
 

If you close your card in branch or over the phone and you have opted into digital communications; you will receive an email confirmation letter. If you have not opted into digital communications,  you will receive a physical letter by post within 10 business days.

You’re seeing this because you have an outstanding balance on the account. This could be because:

• You didn’t pay the closing balance in full when closing the account
• There were unprocessed pre-authorised transactions on the account when it was closed
• Interest fees, or charges have been applied to the account
• A credit balance is on the account

Once the account is brought to zero, it will no longer appear on your online banking.

This could be because:

• There were unprocessed pre-authorised transactions on the account when it was closed
• Recurring payments have not been cancelled
• Interest, fees or charges have since been applied to the account.

Fees and interest charges will be incurred for as long as there is an outstanding balance on your credit card account. These charges need to be paid in accordance with the terms and conditions of your credit card contract until the outstanding balance is paid in full.

Please be sure to monitor and check your next statement(s) for any amounts due, as you are still liable to pay any outstanding amounts on your statement in accordance with the terms and conditions of your credit card contract until the outstanding balance is paid in full. Failure to pay may incur missed payment fees and impact your credit report.

You can do this in Online Banking or the Westpac App. Credit card statements are available for up to 7 years. Paper statements are available on request.

We will continue to send you statements in accordance with our credit card terms and conditions until the outstanding balance on your credit card account is paid in full. Following closure of your card account, if we later receive a credit to your account, e.g. a refund for a previous transaction, resulting in the account having a positive card balance, we will issue you a monthly statement.

 Please contact us to arrange a refund of any credit balance due.

If your account has a credit balance when it is closed by you or us, we may:

• transfer that amount to another account in your name that you hold with us; and/or
• attempt to contact you to return the amount.
   

If we have given you notice and you have not contacted us to seek return of the amount and it is less than $10, we may transfer those funds to a charitable organisation or association.
Following closure of your card account, if we later receive a credit to your account e.g. a refund for a previous transaction, resulting in the account having a positive card balance, we will issue you a monthly statement. Please contact us to arrange a refund of any credit balance due.

Unless you have a balance on the account, your credit card account will no longer appear in Online Banking. You'll still be able to access up to 7 years of statements:

• Search 'Statements' in the Westpac App
• Select 'Statements (incl. closed acounts)
• Select 'Closed account' and scroll to locate the relevant account

Following closure of your card account, if we later receive a credit to your account e.g. a refund for a previous transaction, resulting in the account having a positive card balance, we will issue you a monthly statement. Please contact us to arrange a refund of any credit balance due.

You can request an updated closure letter at any time in the future – for example, to reflect further payments you've made if you closed your account with an outstanding balance, or to reflect the transfer of your credit balance. To do so, search “Closure letter” on the Westpac App.

• If you met the eligibility criteria and terms and conditions for travel booked before 1 October 2026, you may be covered under the Westpac Consumer Complimentary Insurance Booklet (PDF 721KB) dated 23 February 2023. Closing your card after you have qualified for cover does not automatically end your eligibility for that cover. Cover remains subject to the applicable terms, conditions, exclusions and period of cover.
• If you met the eligibility criteria and terms and conditions for travel booked on or after 1 October 2026, your eligible card must remain current and valid for the entire duration of your journey to be eligible to claim under the Complimentary International Medical Travel Insurance (PDF 1MB).⁴ If you close or cancel your card, you may no longer be eligible to claim unless you have separately purchased a Comprehensive International Travel Insurance (PDF 1MB) policy.⁵