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Using a credit card overseas

Credit cards are widely accepted in most countries so you don’t need to carry as much cash. You also have the added reassurance that if your card is lost or stolen while away, we'll get a replacement card couriered to you and even provide emergency cash if required.

Keeping transactions safe and secure

Westpac credit cards are protected by CardShield™, which includes fraud detection, Online Protection and CHIP security features. Where possible, use a PIN instead of your signature to verify credit card purchases.

Our Westpac Added Online Security Service also protects you when you’re shopping online with participating online retailers. Make sure you keep your mobile phone number and email address up to date.

Perfecting your PIN

If you've changed your PIN from the 4 digit number we issued to a 6 digit PIN, be aware that some transactions may not be successful overseas. You may also encounter an error with your 4 digit PIN in some countries requiring a 6 digit PIN.


Overseas travel notification

It's a good idea to let us know when and where you're heading overseas, and intend using your credit card.

We'll record your travel details and monitor the security of any accounts or credit cards while you're away.

If you’re unable to access your Australian mobile number but you have a temporary overseas mobile number, let us know by calling the number on the back of your card.

Our Westpac Added Online Security Service protects you when you’re shopping online and you may need to receive a ‘One Time Password’ via SMS in order to verify your online transaction. This SMS can be received using your temporary overseas mobile number.



You can use our card at many places overseas to ...

  • Make purchases at over 28 million locations worldwide
  • Access cash at over 900,000 ATMs worldwide.

Fees for using your card overseas

A Foreign Transaction Fee is payable as a percentage of the Australian dollar value of any Foreign Transaction. The percentage will vary depending on the applicable credit card scheme:

  1. Transactions in foreign currency
    • Visa and Mastercard®: 3.0%
  2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:
    • Visa and Mastercard®: 3.0%

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia.

One-card banking

If you currently withdraw money from your linked Savings and/or Cheque account(s) via your credit card it is important to know that this functionality is not available when using overseas ATMs, including Global Alliance ATMs.

To ensure access to your Savings and/or Cheque account funds when overseas obtain a Debit Mastercard® or visit a Westpac branch. Terms and Conditions and Fees and charges may apply.

Countries where Westpac Group cards cannot be used

The Westpac Group and Card Schemes operate in many overseas locations and must comply with economic and trade sanctions at all times. Some locations are highly sanctioned and present significant sanctions compliance risk. Westpac cards are not accessible and cannot be used in the following affected locations:

  • Cuba
  • Crimea Region, Donetsk and Luhansk regions of Ukraine
  • Iran
  • North Korea
  • Russia
  • Syria

To ensure access to other payment options in these countries, visit a Westpac branch to arrange an alternative solution.

Locations where Westpac online services cannot be used

While the Westpac App, Online Banking and Corporate Online are available in most countries around the world, there are some sanctioned jurisdictions where access to these services are not available. ​See the full list of locations.

Things you should know

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 898KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

Mastercard® and PayPass™ are trademarks of Mastercard International incorporated.