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Why Debit Mastercard?

  • Shop online or in person worldwide with your own money
  • Use contactless technology to pay for everyday purchases with ease and convenience
  • Make purchases with Google PayTM by simply tapping your mobile at contactless terminals 1
  • Link up to 2 eligible Westpac bank accounts to your Debit Mastercard
ATM network at home and overseas

No ATM withdrawal fee at any major bank ATM in Australia and over 50,000 ATMs around the world via the Global ATM Alliance and partner ATMs (other fees may apply)2

Cardless cash

Use cardless cash3 to withdraw cash from any Westpac Group ATM without needing your card. On iPhone, Android and Windows Phone

Fraud Money Back Guarantee

Shop securely with your debit card. We’ve got your back with 24/7 fraud monitoring and our Fraud Money Back Guarantee4

Card on hold

Can’t find your card? Don’t worry – you can temporarily lock it in seconds with Card on Hold for up to 15 days while you search5

Get up to 2% p.a. variable interest on your savings

For 18-29-year olds

When you grow your savings with a Westpac Life account and make 5 eligible purchases with a debit card linked to your Choice account each month

This is made up of 0.15% p.a. variable base rate + 0.35% p.a. variable bonus for saving each month + 1.50% p.a. Spend&Save bonus for spending 5 times. Applies to the first $30,000 in your Westpac Life savings account. After this amount you’ll earn 0.50% p.a. variable interest.*

Added security

With Westpac’s Added Online Security Service, from time to time you will need to enter a unique ‘One Time Password’. You will receive your unique password via SMS or email6, when purchasing online with participating retailers who have been verified by Mastercard®.  

Which Westpac accounts are eligible?

Your Westpac Debit Mastercard® can be attached to up to 2 of these eligible Westpac accounts:

Eligibility criteria apply to the Westpac Choice, Westpac Choice - Under 30s, Westpac Choice - full time tertiary students, Westpac Choice - concession holders and Westpac 55+ and Retired accounts.

Who can apply for a Debit Mastercard?

Debit Mastercard holders need to be at least 14 years of age and have an Australian residential address to be eligible for the card. If you’re not eligible for a Debit Mastercard, you can apply for a Handycard to access your account.



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Things you should know

Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 805KB)

Westpac Debit Mastercard® Terms and Conditions (PDF 3MB)

Online Banking Terms and Conditions (PDF 236KB)

Find out what information you need to provide to become a customer (PDF 657KB)

Read the terms and conditions at before making a decision and consider whether this product is appropriate for you.

1. Google Pay: Read the Terms and Conditions before making a decision and consider if it is right for you. Available for eligible cards. To use Google Pay you will need to use a compatible device with a supported operating system.

2. Other fees and charges may be payable. A 3% Foreign Transaction Fee applies to overseas debit or credit card withdrawals. A 2% cash advance fee applies to credit card withdrawals where the "Credit" option is selected. A list of  Global Alliance members is available.

3. Cardless cash: Get Cash is available on eligible Westpac transaction accounts with a linked debit card. Get Cash limit of 3 withdrawals per day applies, subject to $500 daily withdrawal limit and $1,000 weekly withdrawal limit. Only available at Westpac ATMs in Australia. To access cardless cash on your mobile you must be registered to use Westpac Online Banking and download the Westpac Mobile Banking App. You’ll also need the Westpac Mobile Banking app (version 6.1 or above) installed on your iPhone.

4. Westpac Fraud Money Back Guarantee: ensures that customers will be reimbursed for any unauthorised transactions, provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.

5. Card on hold: Available on personal credit and Mastercard® debit cards only. Cards to which a temporary lock can be applied will be listed when you sign in to Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services.

6. If you don't provide us with a correct mobile number or email address, you may not be able to proceed with your online transaction at participating online retailers.

Android, Google Pay and Google Play are trademarks of Google Inc. World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.