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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 cover *

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%
  • American Express®: 3.5%

2. Transactions in Australian dollars and the merchant or financial institution accepting the card is located overseas:

  • Visa and MasterCard®: 3.0%
  • American Express®: 0.0%
Things you should know

Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 (Zurich) issues these covers to Westpac Banking Corporation under separate Master Policies and is liable for the risks insured. Terms, conditions, exclusions and limits apply. No Westpac Group company has any liability in connection with the insurance policies. Read your cards’ policy wording (PDF 278KB), or call 1300 859 100 to obtain a copy of the document.

American Express® is a registered trademark of American Express. The Westpac American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express.

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