FAQs

Manage my credit cards (36)

• How do I activate my card?

  You can activate your card online if you're already registered for Online Banking: Sign into...

• How do I close my credit card?

  This feature is being progressively rolled out...

• How do I set up a credit card repayment reminder in the Westpac Mobile Banking app?

  1. Open and sign in to the Westpac Mobile Banking app...

• How can I earn and redeem Altitude Rewards?

  Visit the Altitude Rewards website to find out how to earn and redeem Altitude Rewards.

• How do I find out the status of my replacement credit card?

  How do I find out the status of my replacement credit card?

• What should I do if I have experienced fraud on my credit card?

  At its simplest fraud occurs when someone obtains your credit card details and uses them over the phone or on the Internet to make purchases in your name.

• I need a new PIN for my credit card or Handycard while I’m overseas.

  I need a new PIN for my credit card or Handycard while I’m overseas.

• How can I increase my credit card limit?

  Your credit limit may be increased subject to a credit assessment. We will assess...

• How do I stop receiving paper statements and receive them electronically?

  You can stop receiving paper statements and be notified by email when...

• I need another copy of my last month's statement. How do I get it?

  There are four ways you can obtain a copy of your credit card statement: print a form, contact...

• What will happen when my card expires? Can I get a replacement card online?

  What will happen when my card expires? Can I get a replacement card online?

• How do I get an emergency card replacement while I'm overseas?

  Mastercard and Visa may be able to help you with the following emergencies, even if...

• Is my card eligible to set or change my card PIN online?

  If you have a new or reissued credit card issued since 1 April 2016 or a Debit Mastercard issued since 1 March 2015...

• What do I do if my Global Currency Card is lost or stolen?

  If you need to report a lost or stolen card, you can call the Customer Service Team

• What should I do if my card is lost or stolen?

  Report a lost or stolen card immediately to stop transactions on your account....

• Are there any additional fees for using credit card repayment reminder?

  No. The standard fees for using Westpac Live Online Banking apply....

• How do I change my credit card repayment reminder preferences in Westpac Live Online Banking?

  1. Sign in to Westpac Live Online Banking and click on ‘Services and Preferences’ at the top of the screen...

• How do I set up a credit card repayment reminder in Westpac Live Online Banking?

  1. Sign in to Westpac Live Online Banking and click on ‘Services and Preferences’ at the top of the screen...

• What is the credit card repayment reminder?

  The credit card repayment reminder lets you set up a reminder for your monthly credit card payments...

• Will I still receive the credit card repayment reminder if I make an out of cycle repayment?

  Yes. If you make an out of cycle monthly repayment it will not be reflected in the details of the corresponding credit card repayment reminder you receive...

• Are there any credit checks done as part of activating a SmartPlan/

  No credit checks are needed to set up a SmartPlan on your account, as there is no increase to your credit limit.

• Can I cancel a SmartPlan once I have set it up?

  You can cancel your SmartPlan at any time, with no cancellation fees.

• Can I continue to get the benefit of my interest free days on new purchases while I have a SmartPlan on my account?

  Yes, if you pay the Monthly Payment Balance by the statement due date each month. This amount is the sum of all SmartPlan Repayments due in that month, plus the Main Account Balance.

• Does SmartPlan change my credit card limit?

  No, there is no change to your credit limit.

• How do I delete or change my credit card repayment reminder preferences in the Mobile Banking app?

  1. Open and sign in to the Westpac Mobile Banking app...

• How long does it take to activate a SmartPlan?

  SmartPlan activation takes up to 2 Business Days. We’ll send a notification to your Online Banking message inbox and your nominated email address to confirm once it’s active.

• How many SmartPlans can I have on my account?

  You can have up to 8 active SmartPlans on your account at any one time.

• How much does a SmartPlan cost?

  There are no fees if you miss a SmartPlan Repayment but interest will be charged on the unpaid amount (if applicable).

• How much does a SmartPlan cost?

  Only Primary cardholders can set up or cancel a SmartPlan in Online or Mobile Banking . Additional cardholders may view the details of a SmartPlan in Online or Mobile Banking.

• What amounts are eligible for SmartPlan (“Eligible Amounts”)?

  Any individual purchase of $500 or more made in the last 30 days and not covered in your last payment. Limits for Alititude Business cards ...

• What are the benefits of SmartPlan?

  SmartPlan helps you manage your repayments, view progress through Online or Mobile Banking and choose a plan duration that is affordable.

• What is a SmartPlan?

  SmartPlan is a repayment plan for your credit card. It helps you structure credit card repayments by breaking them down into a number of regular monthly instalments.

• What is my ‘Main Account Balance' and how is that different to my ‘Closing Balance’ in SmartPlan?

  The Monthly Payment Balance is the sum of all SmartPlan Repayments due in that month plus the Main Account Balance ...

• What is my ‘Main Account Balance' and how is that different to my ‘Closing Balance’ in SmartPlan?

  With SmartPlan, your account will be made up of two balance categories – Main Account Balance and SmartPlan Remaining Balance. Both of these together form your ‘Closing Balance’ and are included but not limited to your single credit limit.

• What is the ‘Estimated Total Repayment’ of SmartPlan?

  Your Estimated Total Repayment is a figure we calculate at the time you set up your SmartPlan to calculate your monthly SmartPlan Repayment.

• What is the ‘Monthly Payment Due’ and how is that different from my ‘Minimum Payment Due’ in SmartPlan?

  Your Monthly Payment Due is an amount that covers your SmartPlan Repayments due and your minimum payment due on your account for that month. Pay this amount to stay on top of your SmartPlan Repayments.