Get exclusive money-saving offers and guides
Straight to your inbox
By signing up, you agree to the Finder
Privacy & Cookies Policy
and
Terms of Use, Disclaimer & Privacy Policy.
How to pay your Westpac credit card
You've got 4 free options: BPAY, AutoPay, bank transfer and in a Westpac branch.
Card Types
Credit Cards Tips
- Best Balance Transfers
The most competitive 0% p.a. credit card offers of 2021.
- Maximise Reward Points
Find the credit card that will earn you the most points for your spending.
- 60 Second Approval
Get an instant answer on your credit card application.
- Free Credit Score
Get your credit score and report for free through Finder.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
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
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
Frequently asked questions about repaying your Westpac credit card
Pictures: Shutterstock
Back to top
More guides on Finder
-
RelayPay cryptocurrency card and app
FInd out about how RelayPay works, what cryptos and fiat currencies it supports, the fees for using it and safety information.
-
Great Southern Bank Variable Rate Personal Loan
With a Variable Rate Personal Loan from Great Southern Bank you get simplicity matched with the opportunity to save yourself hundreds of dollars in interest fees. The flexibility in repayments that this loan gives you makes it easy to keep up with and pay it off without incurring extra fees.
-
Great Southern Bank Fixed Rate Personal Loan
When you have a large expense that your savings can’t cover, a personal loan at a fixed rate from Great Southern Bank is an option worth considering. With no fees and a competitive fixed interest rate, this could be the right loan for you.
-
Payday loans with no credit checks
These lenders won't complete a credit check when people apply for a loan, but there are other eligibility requirements that applicants must meet. Learn more here.
-
The expenses preventing Aussie households from saving
Food, utility bills and eating out are the top expenses preventing Australians from building wealth. Find out how to boost your income and cut your expenses.
-
CommBank Neo Business Interest-Free Card
This no interest, flat-fee credit card gives you a way to manage your business spending with predictable costs.
-
Review: Wirex cryptocurrency card and app
Spend 10 different cryptocurrencies anywhere Visa is accepted with the Wirex Crypto Card and earn rewards.
-
American Express Cashback Credit Card
This Amex card puts money back in your pocket, earning 1% cashback per $1 on most purchases – plus a bonus 5% in the first 3 months.
-
Finder’s RBA Cash Rate Survey: 60% of experts blame BNPL for drop in credit cards
Credit cards are being used less and experts say Buy Now Pay Later services such as Afterpay and Zip are to blame according to the latest Finder RBA Cash Rate Survey results.
-
PayPal launches cryptocurrency payments sending Bitcoin’s price soaring
PayPal, VISA and Bakkt have all announced various forms of crypto payments on their networks sending the price of Bitcoin back towards it's all time high.
Ask an Expert
Can I pay my ignite credit card at a Bank of Melbourne. I find the ques at Westpac too long. Thank you
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!
Cheers,
Jeni
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.
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.
Cheers,
Harold
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.
CAN NOT LOG IN TO PAY CREDIT CARD DUE
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!
Cheers,
Nikki
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.
Sharon
Can I apply for travel money because I’m heading up western Australia ?
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.
Cheers,
Jonathan
How long will it take if I made a payment from a commonwealth bank account to my credit card?
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.
Cheers,
Jonathan