How to make repayments on your Westpac credit card

Making payments towards your Westpac credit card account is easy with a number of payment options available. Learn how to repay your outstanding balance here.

Westpac issues credit card statements each month, and it expects its cardholders to make payments before their scheduled due dates. If your payday falls after you due date every month, you can consider calling Westpac and request for it to be changed.

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.

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How much do I have to repay every month?

Every month you must meet the minimum repayment of 2% of the closing balance or $10, whichever is greater.

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:

Automated Repayments

You can also consider setting 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 over the phone 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 automated payments, you can choose to pay a set amount including a percentage of the closing payment, the minimum payment due, or the closing 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

BPAY Payments

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. All you have to do is use your bank’s BPAY facility to make the required repayments. You would have to initiate such a payment using your bank’s online banking platform, and you would require the following details:

  • Biller name: Westpac Cards
  • Biller code: 5181
  • Reference number: Your Westpac credit card number

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 remain open between 09:30 am and 04:00pm, 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.

Frequently asked questions about repaying your Westpac credit card

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22 Responses

  1. 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.

    • finder 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.


  2. Default Gravatar
    September 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
      April 11, 2018


    • finder Customer Care
      NikkiApril 11, 2018Staff

      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!


    • finder 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.


  3. Default Gravatar
    BIANCAOctober 26, 2015

    Can I apply for travel money because I’m heading up western Australia ?

    • finder 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.



  4. Default Gravatar
    mattMarch 21, 2015

    How long will it take if I made a payment from a commonwealth bank account to my credit card?

    • finder 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.



  5. 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

    • finder 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!



  6. 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?


    • finder Customer Care
      ShirleyAugust 20, 2014Staff

      Hi Jonathan,

      Thanks for your question.

      The Westpac BPAY Biller code for commercial cards is 5181.


  7. 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.

    • finder 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

    • finder 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

    • finder 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.


  8. Default Gravatar
    January 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

    • finder 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.

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