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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 Mastercard Identity Check™ and Visa Secure 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 terms and conditions for full details of when a cardholder will be liable.

Complimentary Extended Warranty Insurance and Purchase Protection 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 Protection 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 (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 304KB) 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.

World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, PayPass and Mastercard ID CheckTM are trademarks of Mastercard International Incorporated.