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How to pay your Westpac credit card

You've got 4 free options: BPAY, AutoPay, bank transfer and in a Westpac branch.

Making payments on your Westpac credit card is quick and easy. You can do it online, through the Westpac app or in branch. You must make at least the minimum monthly payment, and you also have the option of paying more each month. Paying as much as you can towards the outstanding balance will help minimise the interest you pay.

How can I make repayments?

If you’re an existing Westpac credit card user, you can choose to make your repayments using any of the following:

  • BPAY

If you don't have an existing Westpac transaction account, or if you don't want to use your Westpac transaction account to make credit card repayments, you can turn to BPAY. You need to initiate the payment using your bank's online banking platform, and require the following details:

  • Biller name: Westpac Cards
  • Biller code: 5181
  • Reference number: Your Westpac credit card number
  • Card AutoPay

You can set up automatic payments using your Australian savings or transaction account. If you wish to set up automatic payments using an existing Westpac account, you can do so through online banking or by calling 1300 130 961 (8am-8pm, 7 days a week). To use an account with a different financial intuition, you have to take a completed Card Autopay Request form into any Westpac branch along with your ID.

When setting up your automatic repayments, you can choose to pay a set amount of the closing balance, a percentage of the closing balance, the minimum payment due or the full balance.

  • Transfer from an existing Westpac account

Existing transaction account holders with Westpac get three ways to make repayments towards their credit card accounts:

  • Login to Westpac’s online banking platform and transfer funds from your transaction accounts to your credit card accounts
  • Use Westpac’s phone banking platform and authorise payments towards your credit card accounts
  • Make repayments by visiting your closest ATM and transferring funds from your transaction accounts to your credit card accounts

woman wearing blazer holding a credit card

  • Make Payments at a Westpac Branch

If you live or work close to a Westpac branch, and if you don’t wish to make repayments using any of the aforementioned methods, you can simply walk into to a branch and make your repayments.

Most Westpac branches are open between 9:30 am and 4:00pm, Monday to Friday.

There are a number of repayment options available to Westpac customers, so make sure to take advantage of the ideal one for you. If you don’t have a Westpac credit card and wish to get one, don’t forget to compare your options before applying.

How much do I have to repay every month?

  • The greater of 2% of your closing balance or $10; 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, you must repay the full amount.

Compare Westpac credit cards

Name Product Purchase rate p.a. Annual fee Minimum income
Westpac Low Rate Card - Cashback Offer
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Altitude Black
$150 first year ($295 after)
Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).
Westpac Low Rate Card
Save with a 0% p.a. interest rate on balance transfers for 28 months (with a 2% BT fee). Plus, a low 13.74% p.a. purchase interest rate.
Westpac Lite Card
Save with 0% foreign transaction fees, a low interest rate for purchases and cashback offers through Westpac Extras.
Westpac Altitude Platinum Card
$49 first year ($175 after)
Up to 120,000 bonus Altitude Points (90,000 points when you spend $3,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Altitude Qantas Platinum
$174 first year ($250 after)
Up to 80,000 bonus Qantas Points (60,000 points when you spend $4,000 in the first 90 days & 20,000 after the first spend in year 2).
Westpac Flex Card
Offers a $1,000 credit limit, 0% foreign transaction fees and $0 monthly fee when you pay the previous month's balance in full.
Westpac Altitude Velocity Black
Up to 120,000 bonus Velocity Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Westpac Altitude Qantas Black
Up to 120,000 bonus Qantas Points (90,000 points when you spend $6,000 in the first 120 days & 30,000 points after the first spend in year 2).
Westpac Low Fee Card
$0 first year ($30 after)
Offers up to 55 days interest-free days and $0 annual fee for the first year and in the subsequent years when you meet the spend requirement.
Westpac Altitude Velocity Platinum
$174 first year ($250 after)
Get up to 80,000 bonus Velocity Points (60,000 points when you spend $4,000 in the first 90 days & 20,000 after the first spend in year 2).
Westpac BusinessChoice Rewards Platinum Mastercard
Get up to 0.5 Qantas Points per $1 on eligible business spending, complimentary insurances and individual card limits.

Westpac Altitude Business Platinum Credit Card
$0 first year ($200 after)
Get a $0 first-year annual fee and 4.99% p.a. on balance transfers for 12 months.
Westpac Altitude Business Gold Mastercard
$0 first year ($150 after)
Save with a $0 annual fee for the first year and 4.99% p.a. on balance transfers for 12 months.
Westpac BusinessChoice Everyday Mastercard
Save with 14.25% p.a. on purchases. Plus, enjoy up to 55 days interest-free on purchases.

Frequently asked questions about repaying your Westpac credit card

Pictures: Shutterstock

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More guides on Finder

  • Westpac Flex Card

    This 0% interest credit card from Westpac offers a $1,000 limit and a flat monthly fee that can be waived – plus you can use it as soon as you’re approved.

  • Westpac Low Rate Credit Card – Cashback Offer

    A no-frills card offering up to $350 back when you meet the spend requirement and a 13.74% p.a. interest rate on purchases.

  • Westpac Altitude Velocity Black

    A premium credit card offering up to 120,000 bonus Velocity Points, uncapped rewards points and complimentary insurance covers.

  • Westpac Altitude Velocity Platinum

    This platinum credit card offers up to 80,000 bonus Velocity points, uncapped points potential, a discounted first-year annual fee and complimentary insurance covers.

  • Westpac Low Rate Credit Card

    A no-frills card offering a 0% interest on balance transfers for the first 28 months and a 13.74% p.a. interest rate on purchases.

  • Westpac Altitude Qantas Platinum

    With bonus Qantas Points and a range of complimentary insurance covers, the Westpac Altitude Qantas Platinum is worth considering if you want more frequent flyer points.

  • Westpac Altitude Qantas Black

    The Westpac Altitude Qantas Black Card boasts bonus points, a competitive earn rate as well as travel perks and extra features.

  • Westpac Lite Card

    Compare the low-cost, simple features of the Westpac Lite Credit Card, including a 9.90% p.a. interest rate for purchases, no foreign transaction fees and Westpac Extras.

  • Westpac Altitude Black

    This black rewards credit card is packed with perks including uncapped points per $1 spent, airport lounge passes, complimentary travel insurance and up to 150,000 bonus points offer.

  • Westpac Altitude Platinum Credit Card

    This platinum rewards card comes with up to 120,000 bonus points offer and complimentary insurance for domestic and overseas travel. Is it worth it for you?

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24 Responses

    Default Gravatar
    LoisFebruary 11, 2019

    Can I pay my ignite credit card at a Bank of Melbourne. I find the ques at Westpac too long. Thank you

      JeniFebruary 12, 2019Finder

      Hi Lois,

      Thank you for getting in touch with finder.

      Yes, you can since BoM has BPay. You can make payments to the Ignite Card Account by using the Card Autopay facility, making a payment using BPAY or mailing your cheque payment to Westpac at the address shown on your statement.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    SeeBeeNovember 21, 2017

    Hi, My husband closed his Westpac account last year, as we have moved to the UK now. He has just had notification that his Westpac Visa card annual fee is overdue – we had assumed this was cancelled too but obviously not. We are unsure how we transfer payment for the credit card fee without a bank account in Australia. Our UK bank does not allow BPAY. We could pay via Paypal, if thats an option? Would appreciate any help on what to do.

      HaroldNovember 21, 2017Finder

      Hi SeeBee,

      Thank you for your inquiry.

      Yes, PayPal and global currency bank accounts are some of the options you can choose from. You may compare your other options with our guide on how to pay your credit card bill when overseas.

      closing your credit card account isn’t complicated, but there are a few steps you should take before calling your bank. Please check our guide on how to cancel a credit card.

      I hope this information has helped.


    Default Gravatar
    StephenSeptember 22, 2016

    If I pay my credit card balance each month by BPay on the day it’s due, will I be charged a late payment fee by Westpac.

      Default Gravatar
      PatriciaApril 11, 2018


      Default Gravatar
      NikkiApril 11, 2018

      Hi Sharon,

      Happy to catch you here at finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Sorry to hear that you’re having difficulty logging in. To clarify, is this your finder account? If it’s for your Westpac account, you’d have to contact your bank ASAP to reset your password so you can pay for your credit card. Please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

      Our apologies for not being able to help you further. Feel free to message us again in the future!


      SharonSeptember 22, 2016Finder

      Hi Stephen,

      Thanks for your inquiry.

      Your payment must be received by 5 pm on the due date or you’ll face late payment penalties. However, some credit card issuers may extend the payment cut off time to as late as midnight. You can also make note of the due date for your bill and plan to send in your payment at least two weeks prior to this date.

      It would be best to check with your credit card issuer to find out the exact time that your payment must be made to avoid the late payment fee.

      I hope this helps.


    Default Gravatar
    BiancaOctober 26, 2015

    Can I apply for travel money because I’m heading up western Australia ?

      JonathanOctober 26, 2015Finder

      Hi Bianca,

      Thanks for your inquiry!

      Travel Money cards are generally used for overseas funds/ transactions. If you are looking for a card to store and access your funds you may like to compare debit cards.

      Please ensure to read through the relevant product disclosure statement and terms and conditions to ensure that you got everything covered before you travel.


    Default Gravatar
    mattMarch 21, 2015

    How long will it take if I made a payment from a commonwealth bank account to my credit card?

      JonathanMarch 23, 2015Finder

      Hi Matt, thanks for your inquiry!

      Generally a payment from another bank to Westpac can take 1-2 business days. It depends when Commonwealth Bank processes the transaction. As soon as Westpac receives the transaction they will apply the funds within the hour.



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