How to pay your Westpac credit card

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

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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 Annual fee Minimum income
Westpac Low Rate Card
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Save with a $0 annual fee for the first year, plus, a 0% interest rate on balance transfers for 28 months.
Westpac Low Rate Card - Cashback Offer
13.74% p.a.
$0 annual fee for the first year ($59 p.a. thereafter)
Get $400 cashback when you spend $4,000 on eligible purchases within the first 4 months. Plus, a $0 first-year annual fee.
Westpac Altitude Black
19.99% p.a.
$99 annual fee for the first year ($250 p.a. thereafter)
Earn 180,000 bonus Altitude Points when you spend $6,000 within the first 120 days. Plus, save with 0% interest on balance transfers.
Westpac Altitude Platinum Card
19.99% p.a.
$49 annual fee for the first year ($150 p.a. thereafter)
Get 130,000 bonus Altitude Points (worth $450 cashback) when you spend $3,000 in the first 90 days, a 0% balance transfer offer and a $49 discounted annual fee.
Westpac Altitude Platinum Qantas
19.99% p.a.
$49 annual fee for the first year ($200 p.a. thereafter)
Get 75,000 bonus Qantas Points when you spend $4,000 within 90 days. Plus, a first-year annual fee discount and a 0% balance transfer offer.
Westpac Flex Card
0% p.a.
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 Black - Velocity
19.99% p.a.
Up to 120,000 bonus Velocity Points (90,000 points when you spend $4,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Altitude Black - Qantas
19.99% p.a.
Up to 120,000 bonus Qantas Points (90,000 points when you spend $4,000 in the first 90 days & 30,000 points after the first spend in year 2).
Westpac Low Fee Card
0% p.a. for 15 months, reverts to 20.09% p.a.
$0 annual fee for the first year ($30 p.a. thereafter)
Save with a 0% interest on purchases for 15 months, plus a $0 annual fee for the first year.
Westpac Altitude Platinum Velocity
19.99% p.a.
$49 annual fee for the first year ($200 p.a. thereafter)
Get 75,000 bonus Velocity Points when you spend $4,000 within 90 days. Plus, a discounted $49 first-year annual fee.
Westpac Lite Card
9.9% p.a.
Keep credit card costs low with a maximum credit limit of $4,000, a 9.9% p.a. purchase interest rate and no foreign transaction fees.
Westpac BusinessChoice Rewards Platinum Mastercard
20.24% p.a.
Earn 0.5 Qantas Points per $1 spent on eligible business purchases. Plus, enjoy complimentary insurances and uncapped points.

Westpac Altitude Business Platinum Credit Card
20.24% p.a.
$0 annual fee for the first year ($200 p.a. thereafter)
Enjoy a $0 first-year annual fee and 4.99% p.a. on balance transfers for 12 months.
Westpac Altitude Business Gold Mastercard
20.24% p.a.
$0 annual fee for the first year ($150 p.a. thereafter)
Save with a $0 annual fee for the first year and 4.99% p.a. on balance transfers for 12 months.

Compare up to 4 providers

Frequently asked questions about repaying your Westpac credit card

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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

      Avatarfinder Customer Care
      JeniFebruary 12, 2019Staff

      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.

      Avatarfinder Customer Care
      HaroldNovember 21, 2017Staff

      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!


      Avatarfinder Customer Care
      SharonSeptember 22, 2016Staff

      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 ?

      Avatarfinder Customer Care
      JonathanOctober 26, 2015Staff

      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?

      Avatarfinder Customer Care
      JonathanMarch 23, 2015Staff

      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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