Things to know when your card is about to expire

This page outlines what happens as your card approaches its expiry date and the simple steps you can take to stay on track.

What happens next?

  • New card sent automatically: You don't need to do anything, your replacement card will be issued automatically and should arrive by the end of the month your current card expires.
  • Current card: You can use your current card until the last day of the expiry month shown on the card.
  • Push notifications for card dispatch: We'll send you a push notification in the Westpac App when your new card is on the way. Enable push notifications by going to Profile > Notifications & communication.

 

Making sure your replacement arrives smoothly

  • Check your address: Make sure your contact details are up to date.
  • Check your account: Your account must be in good standing.

 

What if my card has expired and my new card hasn't arrived?

If the card hasn't arrived in time, the primary cardholder can contact us on:
  • Australia: 1300 651 089 (8am-8pm Sydney time, 7 days a week)
  • Overseas: +61 2 9155 7700 (24 hours a day, 7 days a week)

 

Using a Digital Card?

Digital card is a digital version of your debit or credit card, available in the Westpac App.

Your new card details will be available in Mobile Banking once the expiry date is reached on your current card or a new physical card has been activated.

Learn more about Digital Cards.

My card has expired, and I've received a new one - do I need to re-enrol it in my Digital Wallet?

No, you don't need to re-enrol your card when your card has expired. Your replacement card details will be automatically updated in your Digital Wallet, and you can continue to make transactions without the need to activate your replacement card.

 

This applies to the following Digital Wallets:

  • Apple Wallet
  • Google Pay
  • Samsung Pay
  • Garmin Pay
     

Learn more about Digital Wallets.

Travelling soon?

Please check your travel dates as we will send you a replacement card before the end of your card expiry month.

 

Card expiring when you are away?

  • If your trip is more than 2 weeks away and your card expires within the next 3 months:
    You can request a replacement card here.
  • If your trip is less than 2 weeks away:
    Please call us on 1300 651 089 before you travel so that we can help you with a replacement.

    Learn more about travelling overseas.    

Important information for unused cards

If you hold a credit card that has not been in use for the life of the card (since it was issued to you), you will need to:

  • Make a transaction to ensure it's eligible for reissue
  • Or request a replacement via Online Banking



Request a replacement card

Need help?

Get instant help from our virtual assistant 24/7

Chat with us

Download the Westpac App

Securely access your accounts with features and services to make banking on the go easier, safer and more convenient.

Enable push notifications

Get helpful reminders like credit card repayment, credit card dispatched and security notifications when there are changes to your accounts.

Activate push

Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 740KB) before making a decision and consider whether the product is right for you. 

1. The Digital Card is only available in the Westpac App and supported with the latest version of the Westpac App. 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.
 

iPhone, iPad, iPod touch and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a Service mark of Apple Inc.

Android, Google Play and the Google Play logo are trademarks of Google LLC.