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Why is my card changing?

It's part of our transition from Visa to Mastercard that's happening for Westpac credit card customers, simplifying our credit card offering to ensure we continue to meet your needs now and into the future.


Enjoy the benefits you love

  • Interest free - Pay no interest on purchases for up to 55 days when you pay off your balance in full each month. 
  • Complimentary Insurance - Shop and travel with confidence thanks to complimentary purchase security, extended warranty, overseas travel and transit accident insurances, as set out in the policy. 1
  • Westpac Extras - Enjoy a wide range of cash back offers, which are easy to redeem in store or online, with your Low Fee credit card. We’ll let you know about offers we think you’ll love by email or find them in the ‘Rewards & Offers’ tab within Online Banking. 2
Low Fee Platinum credit card

Your next steps

1. Receive your card

Once your replacement credit card has arrived in the post, you're ready to take the next steps.


2. Activate it

You can do this via Online Banking, in-branch or by calling 1300 308 930


3. Switching over any recurring payments

Once you receive your replacement Mastercard, remember to update all your important regular payments with your new credit card number and expiry date. For more information on your regular payments, see the Switching Payments section.

Will I need to switch my regular payments?

Yes. Your replacement card will also come with a new card number and expiry date. Payments taken directly from your credit card account on a periodic basis are referred to as regular payments.

You'll need to update any payments, like:

Regular payments

Consider payments already set up on your card like Foxtel, health insurance, utilities or your phone bill. You will need to contact your service provider and give them your replacement Mastercard details, otherwise payments may be declined. Some service providers will allow you to update your payment details through an online portal on their website, while others will require you to download a form or make a call.


You can view and download a list of your regular payments (also referred to as ‘direct debits’) from either the Westpac Mobile Bank app or Westpac Online Banking. Click on your credit card account > Services > Direct Debits.


For more information on regular payments, visit

Everything online 

Think about places where your current card information is stored like your Uber accounts, PayPal, or in digital wallets such as Google PayTM or Samsung PayTM.


You’ll need to go in and update your card details wherever they are stored. When adding your Mastercard details, check that they are identical to what is displayed on the card.

Card features

  • Get up to 55 days interest free on purchases when you pay your balance in full by the due date each month.
Complimentary insurance cover

Shop and travel with confidence, with complimentary covers for overseas travel, extended warranty, purchase security, transit accidents, as set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB).1 For more information, view Complimentary Insurance in the Frequently Asked Questions.

Westpac Extras

Westpac Extras2 lets you enjoy a wide range of cashback offers, which are easy to redeem instore or online with your credit card. There are a whole range of offers we think you’ll love. We’ll let you know by email, or you can find them in the ‘Rewards and Offers’ tab in Online Banking. Make sure you’re opted-in to marketing emails and registered for Online Banking so you don’t miss out.


Plan smart repayments

Use our SmartPlan repayment planner to break large purchases or balances down into regular instalments while keeping interest-free days.4

There are 2 different types of SmartPlan you can create:

  • A Large Purchase SmartPlan is for single purchases of $500 or more made within the last 30 days.
  • A Balance SmartPlan is for any credit card balance (or part of a credit card balance) of $200 or more.
Introducing Apple Pay

With your Mastercard, you'll be able to use your compatible Apple device to make fast and secure payments wherever Apple Pay is accepted.5

Frequently asked questions

What’s not changing?

Your purchase rate, cash advance rate, annual fee, statement cycle, and PIN are not changing as part of this transition and will automatically roll over to your replacement Mastercard upon activation.  If we make changes to your card account, we will notify you in accordance with your credit card contract.

Do I have to update my Online Banking?

No. Once you activate your replacement Mastercard, you’ll see it when you sign into Online Banking. You won’t need to re-register or update any Online Banking details.

What will happen to my current Visa card?

Your current Visa card will stop working shortly after we send you your replacement Mastercard. You should destroy your Visa card once you activate your replacement Mastercard. If you have any regular payments set up, be sure to contact the service provider and pass on your new card details.

For more information on regular payments, visit

When I activate my replacement card, what happens to my existing credit card account balance and any balance transfer amounts?

Your credit card account balances and any balance transfers on your current card account will automatically transfer to your replacement Low Fee Platinum Mastercard account. The same variable interest rates and any promotional rates and periods you currently have will apply to the balances transferred across.

Will I still have access to my past statements through Westpac Online Banking?

Yes. You’ll still be able to view your past statements on your current Visa card account, under Statements > Closed Accounts. You can also order statements for the past seven years, charges may apply, call Customer Care on 1800 080 003. Remember to download and save your statements for your records.

Will this replacement affect or change my credit rating?


I have multiple Visa credit card accounts. Will they all be moved to Mastercard at the same time?

The transition to Mastercard is happening for consumer Westpac Visa credit card cardholders generally and will take some time to complete. If you have multiple cards, they may not transition at the same time.

Can I request a Visa card instead?

No, we no longer offer Visa consumer credit cards.

What happens if I lose my Visa before my replacement Mastercard arrives?

If your Visa credit card is lost or stolen, simply call +61 2 9155 7722, 24 hours a day, 7 days a week, or visit a branch.

What happens to my regular payments?

Once you receive your replacement card, you will need to update your credit card details anywhere you have your Visa credit card number stored. Otherwise, there is a risk that important payments will not be honoured. Changes to consider include:

  1. Monthly or weekly ‘Pay Anyone’ and BPAY payments as well as regular payments where you have supplied your credit card number. For example, payments for insurance policies, electricity bills, and health insurance. 
  2. Annual subscriptions and membership fees such as gym memberships.
  3. Childcare fees or regular charity payments.
  4. Anywhere you have your card number stored online, including shopping websites, Foxtel, Uber and PayPal, plus digital wallets like Samsung Pay™, Google Pay™and Garmin Pay.

For more information on regular payments, visit

Do my interest free days change?

No, there will be no change to your current interest free days as part of these changes. If we make changes to your card account, we will notify you in accordance with your credit card contract.

Will my additional cardholder also receive a replacement Mastercard?

Yes, both the primary and additional cardholders will receive a replacement Mastercard. We will send the additional cardholder’s card to the primary cardholder’s address. Remember the primary cardholder will need to activate their card for all the cards linked to the account to work.

Where will my replacement Mastercard be sent?

We will send your replacement Mastercard to the nominated address we have for your credit card account. Remember we will send the secondary cardholder’s card to the primary cardholder’s address. If you think the address we have for you is out of date, please call our dedicated line on 1800 080 003 and we can update the address for you.

What if I live outside Australia?

If you live in a country other than Australia, your card will be sent to the nominated address we have for your credit card account. If you would like to update your address, please call us on +61 1800 080 003.

How do I activate my replacement Mastercard?

You can activate your replacement Mastercard via Online Banking, by calling 1300 308 930, or by visiting your local branch.

Can I request to receive my card any sooner?

Unfortunately, you can’t request to receive your replacement Mastercard sooner than what we’ve outlined in our communication ‘Your credit card is changing’. It should be with you 4-5 weeks after you receive notification of the change. Or if your Visa card is due to expire your replacement Mastercard should be delivered within 6-8 weeks of your initial notification. In the meantime, continue to use your current card.3

Why haven’t I received a replacement Mastercard?

Your replacement Mastercard should have been delivered within 4-5 weeks of your initial notification. Or if your Visa card is due to expire your replacement Mastercard should be delivered within 6-8 weeks of your initial notification.

If you have not received your card, please call us on 1800 080 003. Note, there may be circumstances where a replacement Mastercard will not be sent (including if your card account is being managed by Westpac Assist).3

What happens if I lose my replacement Mastercard?

If your replacement credit card is lost or stolen, simply call +61 2 9155 7722, 24 hours a day, 7 days a week, or visit a branch and we can issue you another card.

What does Complimentary insurance1 cover?

As an eligible cardholder you have the benefit of complimentary cover for overseas travel, extended warranty, purchase security insurance and transit accident insurance, subject to the terms, conditions and exclusions set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB).

Here is a summary of the complimentary covers (refer to the policy for further details including to check whether you are eligible).

Overseas travel insurance

  • Medical and hospital expenses incurred overseas;
  • Loss or damage to personal property;
  • Loss or damage to travel documents;
  • Personal liability cover;
  • Rental vehicle excess cover for loss or damage to rental vehicle.

Transit accident insurance

Transit accident insurance cover against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or ferry when you have purchased the tickets for the entire trip using your Low Fee Platinum Mastercard before you leave.

Purchase security insurance

4 months cover against loss, theft or accidental damage for a range of purchases in Australia and overseas provided the item is purchased using your Low Fee Platinum card.

Extended warranty insurance

Up to a maximum of 2 years extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Low Fee Platinum Mastercard.

What should I do if I have a current card complaint/fraud/dispute case?

Any refunds, reimbursements or compensation owed on your current Visa card will still be credited to you. If you have activated your Mastercard during the investigation, the refund will be applied to your replacement Mastercard.

Why is my card blocked?

If you are unable to use your card, please contact our Customer Care team on 1800 080 003 8am-8pm, 7 days a week local time.

How does a SmartPlan repayment plan work?

SmartPlan helps you stay on top of large purchases and balances by breaking them down into regular installments.4

Credit card balance SmartPlan

Turn any of your outstanding purchase, cash advance or promotional plan (e.g. balance transfer) balances of $200 or more into a SmartPlan. The purchase balance SmartPlan type is currently available at a lower interest rate.4

Large purchase SmartPlan

Create a large purchase SmartPlan to help you pay off an individual ‘big ticket’ item of $500 or more that you’ve bought on your card in the last 30 days – think purchases such as a flight, hotel bill or even a new fridge. Large purchase SmartPlans are currently available at a lower interest rate.4

For more information on SmartPlan go to

Things you should know

1. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 321KB) which may be amended from time to time. Westpac does not guarantee this insurance.

2. Westpac Extras: To be notified about your Westpac Extras, make sure you’ve registered for Online Banking and opted in to receive marketing emails from us. Or check them out in Westpac Live. The Westpac Extras program is subject to the terms and conditions at Offers will also be subject to their own terms and conditions.

3. There may be circumstances where we will be unable to send you the Mastercard referred to in this message, including in some circumstances where you ask us to reissue your credit card (or have done so recently). If this occurs, we may instead reissue your Visa credit card, and the changes referred to in this communication will not take effect unless we notify you otherwise.

4. SmartPlan: SmartPlan is currently available for all Westpac consumer credit cards. Fees may apply. You need to register for Online Banking before you can set up a SmartPlan. Read the Online Banking terms and conditions (PDF 277KB) available at The establishment fee is charged upfront but is payable in monthly instalments over the term of your Large Purchase SmartPlan. This means that if you cancel your SmartPlan (or don’t make the required SmartPlan repayments) you must still pay the whole establishment fee, including any interest on the establishment fee. SmartPlan requires cardholders to make regular monthly payments for the full term and at the interest rate that applies when the SmartPlan is created. All payments made to your credit card account will be applied first to any SmartPlan instalments. Therefore, debts accruing a higher interest rate may be left unpaid during the SmartPlan term. Any balance transfer amounts on a SmartPlan must have a remaining term of between 3 and 36 months to be eligible for a SmartPlan. See Credit Card Terms and Conditions (PDF 200KB) for more details. SmartPlan cancellation takes up to 2 business days. When a SmartPlan ends, any remaining balance will revert to the variable annual interest rate for your balance type or special offer rate as applicable. Cardholders keep interest-free days (if applicable) after a balance transfer when you pay your monthly payment (being your SmartPlan repayments plus the minimum monthly repayment on your credit card account) SmartPlan repayment.

5. Read the Apple Pay Terms and Conditions (PDF 1MB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Android, Google Pay and Google Play are trademarks of Google Inc.


Samsung, Galaxy S and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Ltd.


BPAY is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518


Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries. 


Credit provided by Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.