FAQs

When you cancel your credit card, your plastic card will cease functioning but your credit card account will remain active. Depending on the circumstances, you may be issued with another credit card.

If you would like to close your credit card account, you will need to pay off any outstanding balance (including any fees, interest or charges that are due).

The outstanding balance at any given date is:

• The balance on your credit card account on that particular day.
• The balance may not include transactions such as: recent transactions that are still pending or debit orders yet to be authorised; any Interest accrued (but not applied) on the particular day; outstanding fees.

When you pay an outstanding balance on a date other than your statement date (i.e. the date on which payment is due), you may still need to make a final payment on your statement date to ensure that there are no fees, accrued interest or other pending transactions remaining.

The Closing balance is:

• The balance remaining on your account on the statement date.
• The closing balance includes applied interest, fees and transactions authorised prior to the statement date.

1.  If you initiate the closure of your credit card account on any date after your statement date, then the balance you will see will be the outstanding balance as at that day. You may need to make a further payment on the next statement date to cater for outstanding authorised transactions, fees, accrued interest and other charges.
2.  If you have a positive balance, your request to close the credit card account will be processed immediately subject to the application of any accrued interest, fees, outstanding authorised transactions and charges. Any refund due will be processed once these have been applied.
3.  It is the account holder's responsibility to ensure all recurring payments & direct debits with merchants (eg electricity Bills, gym memberships) are terminated. Any transactions charged to your account will incur interest until the balance owing has been paid.

You should be aware of the following:

1. If you initiate the closure of your credit card account on any date after your statement date, then the balance you will see will be the outstanding balance as at that day. You may need to make a further payment on the next statement date to cater for outstanding authorised transactions, fees, accrued interest and other charges.
2.  If you have a positive balance, your request to close the credit card account will be processed immediately subject to the application of any accrued interest, fees, outstanding authorised transactions and charges. Any refund due will be processed once these have been applied.
3. It is the account holder's responsibility to ensure all recurring payments & direct debits with merchants (eg electricity Bills, gym memberships) are terminated. Any transactions charged to your account will incur interest until the balance owing has been paid.

Unclaimed Rewards Points will expire 3 months from the day on which the account is closed. Please log into you Altitude Rewards account via the Altitude Rewards website to claim your points (Terms and Conditions apply).

You can close your credit card account even if you have a positive balance. You can request closure via online banking, through the branch or our Customer Contact Centre. We will provide a refund of the amount due to you (excluding any outstanding fees, interest and charges.

You also have the option of supporting a worthy cause by using your balance to make a contribution to Starlight Children's Foundation.

The additional card will be cancelled immediately upon closure of your credit card account. Remember to destroy any additional cards immediately.

Credit card eStatements can be accessed via On-line banking for up-to seven years after you have closed your credit card account. Paper statements are available on request and a fee may apply.

Pre-authorised transactions, recurring payments & direct debits, outstanding interest, fees and charges that were not processed before your credit card account closure may still be debited to your account.

It is the account holder's responsibility to ensure all recurring payments & direct debits established directly with merchants (eg electricity bills, gym memberships) are terminated. Any transactions charged to your account will incur interest until the balance owing has been paid.

 Interest will continue to be charged on any outstanding balance until the balance owing has been fully paid. Ensure that you stop all recurring payments & direct debits (eg, electricity bills, gym memberships) when you close your credit card.

No, you will not see the closed credit card account UNLESS you have an outstanding balance owing on the account. You can access statements for a closed account through ‘Statements and Reports’ in your online banking.

You are seeing this tile because there is an outstanding balance on your account. This may be due to a number of reasons including:

• You may not have paid off the closing balance in full at time of closing the account
• There may have been unprocessed pre-authorised transactions at time you closed your account (eg. electricity bills, gym memberships)
• Or, outstanding interest, fees or charges have been applied to your account. You will need to pay the closing balance on your account to resolve this query.

Once you close your linked credit card account, you will no longer be able to make payments with that card through Samsung Pay/Google Pay. You will need to delete the linked card from your mobile wallet.

No. At this stage, Westpac does not offer the ability to close Corporate/Business Cards online (with the exception of Altitude Business Cards). For assistance with closing Corporate/Business Credit card accounts, please call our Customer Contact Centre.

You can make your payment using BPAY if you do not have a Westpac transaction account.

This may be due to a number of reasons including: 

• Pre-authorised transactions charged to your account were not processed at time you closed your account; 
• Outstanding interest, fees or charges applied to your account.
• You may not have cancelled recurring payments & direct. You will need to pay the closing balance on your account and ensure that you terminate any recurring payments & direct debits setup with merchants.

This may because you have an outstanding balance on your credit card account. Please ensure that you have paid the outstanding balance in full and that there are no recurring payments & direct debits to the account. If you have already done this, then please contact our Customer Care Centre or your nearest branch for assistance. 

Outstanding authorised transactions, any accrued interest owing, recurring payments & direct debits, and other fees & charges may still be applied to your credit card account after you have requested closure. It is particularly important that you terminate any recurring payments & direct debits that you may have set up with merchants. Any transactions applied to your account will accrue interest.

You should report a lost or stolen card immediately so that we can stop all transactions on your account or alternatively, you can place your card on hold temporarily until you find it. This can be done via Online Banking. If you do not have access to Online Banking, you can call the Customer Service Centre or visit your nearest branch.

You may see a positive balance on your account until all pending transactions, any outstanding interest & fees are charged to your account. This occurs at the end your monthly statement cycle. At the end of this period, your Credit Card account will be balanced accordingly (Note: To avoid any further transactions and charges to your account, you will need to cancel all recurring payments and direct debits setup on the account. Any recurring payments and direct debits charged to your account will incur interest until the balance owing has been paid).

Customers with credit cards with overdue payments, ongoing investigations into unauthorised transactions, or cards that have been reported as lost or stolen can have their account assessed by our customer assist, fraud or lost or stolen teams. 

Credit cards that do not have outstanding issues must close their credit card through online banking, Customer Care Centre on 1300 651 089 or by visiting your nearest branch.

Either the primary or additional cardholder can request cancellation of the additional card. To cancel an additional card, cut the card up and return it to us or give us a call to let us know you’ve cut up the card and have disposed of it securely.  If you’re unable to destroy the card, you’ll need to contact us to put a stop on the card account.