Are the Garmin Pay transaction limits the same as my physical card?
Yes, the transaction limits that apply to Garmin Pay are the same as your physical card.
To make a payment of over $100 with your Westpac card on Garmin Pay, you must enter your physical card PIN at the contactless terminal. For security reasons, if the contactless terminal does not prompt you for your card PIN, the transaction will not be accepted.
This does not change current payments or transaction limits on your physical card.
If a PIN code is required to authorise a payment (or refund), you will need to enter your physical card PIN at the terminal.