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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.
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
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
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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.
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.
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.
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
Hi,
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
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!
Cheers,
Jonathan
Hi there,
I would like to make a payment to my Altitude credit card, could you please advise of the bpay number?
Thanks,
Jonathan
Hi Jonathan,
Thanks for your question.
The Westpac BPAY Biller code for commercial cards is 5181.
Cheers,
Shirley
I want to pay my Westpac Visa card using BPAY from a non Westpac account and I need the biller code.
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.
How can I pay your westpac card while I’m in trip? There is no banking transfer SWIFT in the country
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,
Shirley
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
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.
Cheers,
Shirley
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
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.