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Using your credit card for shopping online

Using your credit card to shop online is not only convenient; it also means the world becomes your shopping centre.

We’ve got your security covered with our Fraud Money Back Guarantee. You can also add another layer of protection when you shop at participating online retailers registered with Verified by Visa, Mastercard® SecureCode™ and American Express SafeKey® through Westpac’s Added Online Security service.

Westpac Fraud Money Back Guarantee

Our Westpac Fraud Money Back Guarantee ensures that the cardholder will be reimbursed for any unauthorised transactions claims provided that you haven’t contributed to the loss and contacted Westpac promptly. Refer to your card’s Conditions of Use for full details of when a cardholder will be liable.

Complimentary extended warranty and  purchase security insurance cover4

Depending on the credit card you have, if you use your credit card to purchase new personal items it may offer complimentary purchase security insurance cover as well as an extended warranty insurance.

Look out for any fees and charges

Shopping online is convenient, but it’s important you’re aware of any extra fees - particularly when shopping at overseas sites

A Foreign Transaction is any Purchase or Cash Advance made using the Card:

  • in a currency other than Australian dollars; or
  • in Australian dollars or any other currency with a Merchant located outside
    Australia; or
  • in Australian dollars or any other currency that is processed by an entity
    located outside Australia.

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

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%
Things you should know

4. 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 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.