Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input


What happens if I miss a SmartPlan Repayment?

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

Any additional repayments you make will not be applied to the SmartPlan until your Main Account Balance is cleared first. At the end of the SmartPlan Term, any SmartPlan Remaining Balance will be transferred to your Main Account Balance, and accrue interest in accordance with credit card terms and conditions.

To avoid a late payment fee you’ll still need to pay at least the minimum payment due by the due date each month. If you miss your minimum monthly payment this will automatically cancel your SmartPlan, ensure you maintain your minimum monthly payment to avoid your SmartPlan being cancelled.

In order to maintain your interest free days (if applicable), you will need to pay your Monthly Payment Balance by the due date each month.

SmartPlan is available now on all Westpac personal credit cards.