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Using Westpac Credit Card Overseas

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

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Mastercard with them, and this assures that purchases can be made at more than 28 million locations worldwide, and cash withdrawn from over 900,000 ATMs worldwide.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 3% for Visa/ Mastercard for purchases and cash advances made overseas. This fee is charged on the total amount of the transaction.

Rates last updated December 10th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Westpac Altitude Platinum Bundle - Qantas - Exclusive Offer
20.24% p.a.
$50 p.a. annual fee for the first year ($249 p.a. thereafter)
finder Exclusive ends 12 December 2018:
Up to 90,000 bonus Qantas Points when you meet the criteria with this dual Visa (issued & serviced by Westpac) & Amex (issued & serviced by Amex).
American Express Westpac Altitude Platinum Bundle - Exclusive Offer
20.24% p.a.
$0 p.a. annual fee for the first year ($199 p.a. thereafter)
finder Exclusive ends 12 December 2018:
$0 first year annual fee & up to 90,000 bonus Altitude Pts when you meet T&C with Visa (issued by Westpac) & Amex (issued & serviced by Amex).
Westpac Low Rate Card
13.49% p.a.
0% p.a. for 24 months with 1% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Offers a 0% for 24 month balance transfer option, first year annual fee waiver and a competitive purchase rate.
Westpac Altitude Platinum Card - Qantas
20.24% p.a.
$50 p.a. annual fee for the first year ($200 p.a. thereafter)
Earn 60,000 bonus Qantas Points when you spend $3,000 within 90 days of card approval. Plus, a $50 first year annual fee.
Westpac Altitude Platinum Card
20.24% p.a.
$0 p.a. annual fee for the first year ($150 p.a. thereafter)
Earn 60,000 bonus Altitude Points when you spend $3,000 within 90 days of card approval. Plus, a $0 first year annual fee.
Westpac Altitude Black
20.24% p.a.
$250 p.a.
Earn 80,000 bonus Altitude Points when you meet the spend requirement. Plus, 2 yearly Priority Pass lounge invitations.
American Express Westpac Altitude Black Bundle - Qantas
20.24% p.a.
$499 p.a.
Up to 120,000 bonus Qantas Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
American Express Westpac Altitude Black Bundle
20.24% p.a.
$449 p.a.
Up to 120,000 bonus Altitude Points with Mastercard (issued by Westpac) & Amex (issued & serviced by Amex). T&Cs apply.
Westpac Altitude Black - Qantas
20.24% p.a.
$300 p.a.
Earn 80,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
Westpac 55 Day credit card
0% p.a. for 9 months (reverts to 19.84% p.a.)
$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Save with 0% p.a. interest for the first 9 months on purchases and a $0 first year annual fee.

Compare up to 4 providers

Rates last updated December 10th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
28 Degrees Platinum Mastercard
21.99% p.a.
4.99% p.a. for 6 months
$0 p.a.
Pay no annual fee ever and save on international transaction and ATM fees.
ANZ Rewards Travel Adventures card
20.24% p.a.
$225 p.a.
Receive 40,000 bonus Velocity Points, 2 yearly Virgin Australia lounge passes, plus enjoy $0 overseas purchase transaction fees.

Compare up to 4 providers

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 or Visa 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.

Image: Westpac

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2 Responses

  1. Default Gravatar
    RichardAugust 13, 2014

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

    • finder Customer Care
      JeremyAugust 14, 2014Staff

      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

      Cheers,
      Jeremy

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