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One place for all your cards

We’ve redesigned the Westpac App to make it easier to find and manage your cards, giving you greater control and flexibility.

Activating your card

When you receive a new Westpac card, it’s now easier to activate it.

Just head to the Cards Hub, with your Westpac card details ready and you'll be good to go in minutes.

Digital Card

It's a digital version of your card, instantly available 24/7 in the Cards Hub.

Use it to shop online and pay bills with the added security of a dynamic CVC that updates every 24 hours.

Change your card PIN

For personalised security, choose your own card PIN.

Protect your money by setting or changing your card PIN anytime in the Cards Hub.

Find Cards Hub with Smart Search

Simply type Cards Hub in the Smart search bar to manage and control your cards easily through the Westpac App.

Find out more

Card Lock

If you’ve misplaced your card and there’s a chance you’ll find it, a temporary lock keeps your card secure while you look for it. 

Once you've found it, you can unlock it, or if you can't find it report it lost or stolen.

Report a card lost or stolen

Don’t panic, just let us know what happened.

Go into the Cards Hub to tell us immediately about any suspicious transactions or cancel a card you know you’ve lost or has been stolen. You can then order a replacement card if needed.

Card damaged or expired?

If your card is damaged, faded or won’t tap, ordering a new one online or in Cards Hub is simple.

Your replacement card will have the same card number, so you won’t need to update any regular payments or your Digital Card.

How to access the Cards Hub

In the Westpac App

Before trying these instructions make sure you update to the latest version of the app.  

  1. Select the Cards menu at the bottom of your home screen
  2. Access your Digital Card and other card management features

Other card management features

  • Credit Card Autopay

    Automatically makes your monthly credit card repayments or PartPay payments from both Westpac and non-Westpac transaction accounts so you’ll never forget.

    Find out more

  • Notification of overseas travel

    If you're heading overseas, it's a good idea to let us know so we can keep an eye on your accounts while you're away and report any suspicious activity.

    Learn more

  • Gambling Block

    This feature enables customers to plan and manage their personal credit card and debit card spending by preventing transactions with merchants related to gambling.

    How it works

  • Manage your notifications

    With Push Notifications, receive messages on your mobile when money goes in and out of your accounts, a credit card repayment is due, or you've changed your daily limit or contact details.

    Discover more

  • Cardless Cash

    Get cash out from an ATM without your debit card with Cardless Cash. Ideal if you’ve left your card at home, waiting for a new or replacement card to arrive or if you’ve locked your card.

    Set it up

Things you should know

Read the Westpac Online Banking Terms and Conditions (PDF 555KB) at before making a decision and consider whether the product is right for you.

Consumer Deposit accounts and debit cards – Terms and Conditions

Westpac Debit Mastercard® Terms and Conditions for Personal Customers (PDF 204KB)

Consumer Credit Cards - Terms and Conditions

Credit Card Terms and Conditions (PDF 273KB)

Altitude Business Credit Cards - Conditions of Use

Altitude Business credit cards  (PDF 227KB)

The Instant 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.

Cards to which a temporary lock can be applied will be listed when you sign into Westpac App or Online Banking and visit Lock a card temporarily under Cards services. Available on personal credit and Mastercard® debit cards only.

No additional cardholders allowed on Flex Card.

Debit Mastercard®: Choice for youth account, the eligible card age is 8. For any other transaction account, the eligible card age is 14. You must have an Australian residential address.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Google Play is a trademark of Google LLC.

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