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How to make repayments on your Westpac credit card

With a number of options available, making payments towards your Westpac card is quick and easy.


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While you must make the minimum monthly payment, 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. Similar to many other credit card providers, Westpac gives its cardholders many options when it comes to repayments. Read on to discover which one is ideal for you,

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

Data indicated here is updated regularly
Name Product Purchase rate Annual fee Minimum income
Westpac Low Rate Card
13.74% p.a.
A low rate card offering 0% p.a. interest on balance transfers for the first 20 months and a $200 cashback offer.
Westpac Altitude Platinum Qantas
20.49% p.a.
$99 annual fee for the first year ($200 p.a. thereafter)
Get 60,000 bonus Qantas Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Westpac Altitude Platinum Card
20.49% p.a.
$99 annual fee for the first year ($150 p.a. thereafter)
Earn 80,000 bonus Altitude Points when you spend $3,000 within 90 days. Plus, a first-year annual fee discount and a long-term balance transfer offer.
Westpac Altitude Black
20.49% p.a.
Earn 150,000 bonus Altitude Points when you meet the spend requirement. Plus, 2 yearly Priority Pass lounge invitations.
Westpac Altitude Black - Qantas
20.49% p.a.
Earn up to 120,000 bonus Qantas Points when you meet the spend requirement. Plus, 2 yearly Qantas Club lounge invitations.
Westpac Low Fee Platinum Card
20.09% p.a.
$0 annual fee for the first year ($90 p.a. thereafter)
Save with a $0 first year annual fee and up to 55 days interest-free on purchases with platinum perks.
Westpac Low Fee Card
0% 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 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.
Offers a waived Qantas Business Rewards program joining fee. Plus, 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, 1 Altitude Points per $1 spent on eligible purchases. Plus, complimentary insurance cover.
Westpac Altitude Business Gold Mastercard
20.24% p.a.
$0 annual fee for the first year ($150 p.a. thereafter)
Enjoy a $0 first year annual fee and complimentary insurance covers.

Compare up to 4 providers

Frequently asked questions about repaying your Westpac credit card

Pictures: Shutterstock

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24 Responses

  1. 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!


  2. 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.

      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 here.

      I hope this information has helped.


  3. 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.


  4. 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.



  5. 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.



  6. Default Gravatar
    RachelFebruary 1, 2015


    I’m on the 0% on purchases credit card for the first year.

    I was wondering if I bpay from my westpac credit card to my westpac travel card some money if that is treated at the 0% purchases interest rate or the 20-something % cash interest rate? Ie, what will I be charged to make that transfer?

    Thank you

    • Avatarfinder Customer Care
      JonathanFebruary 2, 2015Staff

      Hi Rachel, thanks for your inquiry.

      Transfers via BPAY would be treated as a cash advance. To avoid this charge the recharge can be done at a Westpac branch, with a fee of 1% of AUD value loaded up to maximum $10 for the fund credit.

      I hope this helps!



  7. Default Gravatar
    jbAugust 19, 2014

    Hi there,

    I would like to make a payment to my Altitude credit card, could you please advise of the bpay number?


    • Avatarfinder Customer Care
      ShirleyAugust 20, 2014Staff

      Hi Jonathan,

      Thanks for your question.

      The Westpac BPAY Biller code for commercial cards is 5181.


  8. Default Gravatar
    IanFebruary 14, 2014

    I want to pay my Westpac Visa card using BPAY from a non Westpac account and I need the biller code.

    • Avatarfinder Customer Care
      JacobFebruary 15, 2014Staff

      Hi, Ian.

      Thanks for your question.

      The biller code for Westpac cards is: 5181. Please head to the BPAy website and confirm this before making a payment as there are a couple of different codes for their products.

      I hope this helps.

    • Default Gravatar
      BitchoAugust 29, 2014

      How can I pay your westpac card while I’m in trip? There is no banking transfer SWIFT in the country

    • Avatarfinder Customer Care
      ShirleyAugust 29, 2014Staff

      Hi Bitcho,

      Thanks for your question.

      You can pay your card through BPAY, autopay and through a bank transfer. Please check the details of your statement for this.

      For your reference, the Westpac SWIFT code for overseas payments is WPACAU2S. If the sending bank requires 11 characters, use WPACAU2SXXX.

      All the best,

    • Default Gravatar
      CustomerSeptember 1, 2014

      How can I pay credit card if:
      I am overseas
      I don’t have access to BPAY and money on BPAY account.

      BPAY is internal system that doesn’t exist in other worlds

    • Avatarfinder Customer Care
      ShirleySeptember 2, 2014Staff

      Hi Customer,

      Thanks for your question.

      You can use Paypal or something similar to transfer money from one card to another. Please note that will count as a cash advance.

      You could also transfer a lump sum into an Australian bank account and transfer your money from there.

      If you’re living overseas, you may want to consider applying for a local card to save on fees and charges.


  9. Default Gravatar
    JillianJanuary 27, 2013

    I recently had a credit replayed into my credit card from a refund which has put my account on account in credit, I would like to transfer this money to another non Westpac account but I am unable to bpay it out, can you advise. My account is ignite credit card

    • Avatarfinder Customer Care
      JacobJanuary 29, 2013Staff

      Hi Jillian. Thanks for your question. If you’re account is in credit, you can transfer the funds to another credit card via an online funds transfer in your online banking account. Normally, this is charged as a cash advance, and incurs a high interest charge; however, if you’re account is in credit, you won’t be charged interest on the extra funds you transfer out of your account. Cheers.

Credit Cards Comparison

Data indicated here is updated regularly
Name Product Purchase rate Balance transfer rate Annual fee
Skye Mastercard - Exclusive Offer
23.99% p.a.
0% p.a. for 25 months
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months, up to 110 days interest-free on purchases and flexible instalment plan options.
ANZ Low Rate - Exclusive Offer
12.49% p.a.
0% p.a. for 25 months with 1.5% balance transfer fee
$0 annual fee for the first year ($58 p.a. thereafter)
Finder Exclusive
Save with 0% p.a. on balance transfers for 25 months (with a one-time 1.5% BT fee) and $0 first year annual fee. Ends 30 Sept 2020.
NAB Qantas Rewards Signature Card
19.99% p.a.
0% p.a. for 6 months with 2% balance transfer fee
$295 annual fee for the first year ($395 p.a. thereafter)
Collect up to 130,000 bonus Qantas Points. Get 100k when you spend $3,000 on eligible purchases in the first 60 days and 30k after 12 months.
ANZ Platinum Credit Card
0% for 17 months, reverts to 20.24% p.a.
20.24% p.a.
$0 annual fee for the first year ($87 p.a. thereafter)
Receive a 0% purchase rate offer for 17 months and a $0 first-year annual fee. Plus, complimentary overseas travel and medical insurance.

Compare up to 4 providers

* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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