westpac logo

Using Westpac Credit Card Overseas

Information verified correct on April 27th, 2017

You can use your Westpac credit card overseas without any problem because MasterCard, Visa and American Express are readily accepted right across the globe.

AMEX acceptance is less than the other two, most people will have either a Visa or MasterCard with them, and this assures that purchases can be made at more than 28 million locations worldwide, and cash withdrawn from over 900,000 ATMs worldwide.

The only thing you need to remember when using your Westpac credit card overseas is that it's a slightly more expensive affair. This is not unique to Westpac - this is standard with any credit card. There are costs involved when using a credit card outside its country of issue, and those costs are born by the cardholder.

What fees can I expect to pay when using Westpac cards overseas?

  • Westpac charges a fee of for Visa/ MasterCard and 3.5% for American Express for purchases and cash advances made overseas. This fee is charged on the total amount of the transaction.
Rates last updated April 27th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Card
Enjoy a balance transfer offer of 0% p.a. for 12 months and 0% p.a. on purchases for 6 months.
0% p.a. for 6 months (reverts to 20.24% p.a.) 0% p.a. for 12 months $100 p.a. More info

Always pay in local currency

The rule when using your Westpac credit card abroad is always to make sure that you pay in local currency. Don't try to be patriotic and pay in Aussie dollars because this will attract the dreaded Dynamic Currency Conversion (DCC) fee. This is a fee charged by the merchant for making the conversion and will be far higher than MasterCard, Visa or Amex will charge for doing the same when the transaction reaches them. Always pay in local currency, and remember that it is your right in international law to choose which currency you pay in. Merchants cannot insist that you pay in Aussie dollars, so if you are ever presented with a bill that has been totalled up in Aussie dollars, refuse it and insist you pay in the local currency.

This also applies when using your Westpac credit card overseas in ATMs. Generally, you will be charged in local currency, but some banks can be sneaky and present you with a screen that asks which currency you wish to be charged in. Read this carefully and choose the "YES" or "NO" option that means you are not charged in Aussie dollars.

Compare Westpac credit cards here

Was this content helpful to you? No  Yes

Related Posts

ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate


Annual fee

St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate


Annual fee

NAB Low Rate Credit Card
NAB Low Rate Credit Card

Interest rate


Annual fee


Ask a Question

You are about to post a question on finder.com.au

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At finder.com.au we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the finder.com.au privacy policy, receive follow up emails related to finder.com.au and to create a user account where further replies to your questions will be sent.

2 Responses to Using Westpac Credit Card Overseas

  1. Default Gravatar
    Richard | August 13, 2014

    Do I need to notify Westpac that I am travelling overseas. I have a Westpac Visa and Amex Card

    • Staff
      Jeremy | August 14, 2014

      Hi Richard

      It is best to notify Westpac that you are travelling. You can let them know by calling 1300 130 961 or +61 2 9293 9270 from overseas.

      Please let us know if there is anything else we can help you with


Ask a question