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Making credit card repayments

If your credit card statement has a closing balance, you're required to make a minimum payment each month.

Can I set up a payment reminder?

You can set up push notifications or SMS alerts in the Westpac App to remind you when your credit card payment is due. Search payment reminder in the Westpac App and follow the prompts.

For Flex Card, payment reminders will be sent automatically. 

For PartPay Cards, you can set up reminders via push notifications, SMS or email.

How much will I have to pay every month?

You must pay the minimum payment by the due date. You can find the minimum payment and due date on your statement each month. You can also set up a reminder. PartPay Payments credited to your Card Account between your statement date and the due date for that statement, will count towards the Minimum Payment Due. ​

For Flex Card, your minimum payment each month will be the lower of: 

  • $40; or
  • the Closing Balance shown on your statement.

All other Westpac credit cards, your minimum payment is:

  • 2% of the closing balance rounded to the nearest dollar or $10, whichever is greater; and
  • The greater of any unpaid past due amounts from previous statements or any amount that exceeds your credit limit.

If your closing balance is less than $10, then you must pay the full amount.

How do I make a payment?

Set up Card Autopay to automate your credit card repayments each month. You can choose to pay:

  • The full closing balance (all credit cards)
  • The minimum payment due each month, as shown on your monthly credit card statement (all credit cards)
  • A percentage of the closing balance^ (not applicable to Flex Card)
  • A set amount of the closing balance^ (not applicable to Flex Card).

How to set up Card AutoPay

To set up Card Autopay from your Westpac account to your credit card:

  • Search payment reminder in the Westpac App and follow the prompts.
  • Sign in to Online Banking and complete the online application (available for customers with a transaction account solely in their name. Coming soon – online setup from joint accounts and home loans with redraw).
  • Call us on 1300 651 089 (8am - 8pm Sydney time, 7 days).

If you’re setting up Card Autopay from a non-Westpac account:

Flex Card: Sign in to Online Banking and follow the steps above

PartPay Card: Sign in to Online Banking and follow the steps above

All other Westpac credit cards: Fill in the Card Autopay Request form (PDF 636KB) and take it to any Westpac branch (don’t forget your ID).

Other ways to pay your credit card account

  • Pay using BPAY®. Westpac’s biller code is 5181 and use your credit card account number as your reference number.
  • Pay from your Westpac transaction account by transferring your funds
  • Pay using telephone banking on 132 032
  • Pay at a Westpac branch.

Can I change my statement date?

You can move your statement date to a date that better suits your circumstances. Call 1300 651 089 to arrange.

How much should I pay off each month?

Credit cards are a convenient way to borrow money, but if you don’t meet your repayments you can easily get into too much debt.

That’s why you should always aim to pay more than the minimum repayment each month. Paying only the minimum will take years to pay off the debt and lead to more costs from interest charges.

What if I’m having trouble keeping up with my payments?

If you're experiencing hardship, we can help. Call us on 1800 067 497 to discuss what kind of financial support options we can provide.

Things you should know

If the Card Account is a FAI Home Loans Visa Card Account, you must pay the full amount of the closing balance shown on your statement each month by the due date.

^ A fixed dollar or percentage of your monthly credit card statement “closing balance” will be paid. If the “closing balance” is less than your nominated amount, only the “closing balance” will be paid. If your nominated amount falls below the “minimum payment due”, Westpac will debit the “minimum payment due”.

Important: Applications for credit are subject to Westpac's normal lending criteria.

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