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What is the Instant Digital Card?

With your Westpac Digital Card, you’ll never be without your card again. It’s a digital version of your card, but instantly available 24/7 in the Mobile Banking app. Use it just like your physical card to shop online, pay bills, make in-app purchases and set up your recurring card payments,  or even add it to your mobile or wearable wallet to shop in-store.

Your Instant Digital Card comes in handy

  • While you are waiting for your new card to arrive. 
  • If your card is lost or stolen, so you can still access your money.
  • When you don’t have your card on you but need a way to pay. 

Instant Digital Card features


You won’t get stuck without access to your money, even if your physical card isn’t on you.


Your 3-digit security number is dynamic, refreshing every 24 hours to help ensure your details are kept safe.


Add your card details to your mobile or wearable wallet to make in-store transactions. 


If your card is replaced, the Digital Card can be used to update your digital wallets, online subscriptions and set up recurring card payments straight away.  

How to use your Digital Card in the Westpac App (Mobile)

Need to download the Westpac App?

Where to find your Instant Digital Card

  1. Open the Westpac App on your phone and tap Sign in to banking.
  2. Under Cash, tap which bank account you want to access your digital card from.
  3. Tap Services in the menu.
  4. Under Card services, tap ‘Digital card’ and follow the prompts
  5. Generate your dynamic 3-digit security code to use your card.

Things you should know

Consumer Deposit accounts and debit cards – Terms and Conditions

Westpac Deposit accounts for personal and self managed superannuation (PDF 1MB)

Westpac Debit Mastercard® Terms and Conditions for Personal Customers (PDF 206KB)

Deposit accounts for personal customers (No longer available for sale) (PDF 311KB)

Consumer Credit Cards - Terms and Conditions


Altitude Business Credit Cards - Conditions of Use
Altitude Business credit cards (PDF 255KB)

The Instant Digital Card is only available on the Westpac Mobile Banking app and supported with the latest version of Westpac Mobile Banking. The terms and conditions applicable to your product also apply to the use of your digital card. Online Banking Terms & Conditions also apply. You may not always be able to access your digital card.

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

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

Apple, the Apple logo, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.


© 2019 Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714