Westpac Ignite Credit Card – Frequently Asked Questions

Information verified correct on December 3rd, 2016

Westpac Ignite no longer offered

The Westpac Ignite Credit Card is no longer available for applications as this credit card is no longer available to new customers. The information provided and cards cannot be applied for, however, the information on this page has been kept for the benefit of existing customers and for those who are interested.

If you would like to compare other cards credit cards: Click here.

Westpac Low Rate Card

Westpac Credit Card Offer

The Westpac Low Rate Visa offers a competitive annual fee, combined with low interest rates on purchases and all balances transferred.

  • $59 p.a. annual fee
  • 1% p.a. for 12 months (reverts to 13.49% p.a.) on purchases
  • 0% p.a. for 16 months on balance transfers
  • Cash Advance Rate of 21.49% p.a.
  • Up to 55 days interest free
  • Minimum Income Requirement of $15,000 p.a.

The Westpac Ignite Credit Card is designed to offer Virgin Credit Card customers the same level of service and access without disrupting your credit facilities. You don't need to change your Virgin account over to Westpac to continue enjoying your current credit card.

westpac-logo

What Is the Westpac Ignite Credit Card?

The Westpac Ignite Credit Card is the new name for your previous Virgin Money credit card. For the past 5 years, Virgin has been working in conjunction with Westpac Bank to provide customers with the Virgin Credit Card, but this agreement will not be continuing.

For this reason, if you currently hold a Virgin Credit Card, it will have the 'Virgin Money' name removed from the account and the Westpac Ignite name will appear on your statements.

Your credit card will operate the same way as it always was when you first received it as a Virgin Credit Card, but you'll receive a new look card and statement to reflect the removal of the Virgin name.

What Will Change With a Westpac Ignite Credit Card?

Westpac have worked hard to offer existing Virgin credit card holders as little disruption to their normal credit facilities as possible. With this in mind, Westpac will honour the 'no annual fee' policy.

Even though you may receive a new red Westpac Ignite credit card to replace your Virgin credit card, your card number will remain exactly the same. The only thing that will change is the expiry date of your card.

Your pre-existing direct debits and statement cycle dates will also remain exactly the same, as your account hasn't changed. You simply continue to use your card and make your payments the same way you always have.

What Happens to the Rewards Program?

Unfortunately, the old 'Mates Rates' Reward program will be replaced by a new online Instant Offers program that is designed to offer Westpac Ignite Credit Card holders discounted offers for entertainment, concerts, movies, theatre, travel, shopping and lifestyle.

Will You Need to Become a Westpac Customer?

If you're not currently a Westpac customer, but you hold a Virgin Credit Card account, you won't need to become a Westpac customer or register for anything in any way. You will just receive your future credit card statements with the new brand of Westpac Ignite Credit Card on it.

However, if you are already a Westpac customer for other aspects of your banking, then you will be able to log into your existing online banking account and transfer funds between your normal accounts and your new Westpac Ignite credit card.

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135 Responses to Westpac Ignite Credit Card – Frequently Asked Questions

  1. Default Gravatar
    Lyn | June 27, 2016

    I have a Ignite master card and it’s new with different card numbers.I’d like to pay by BPay but deleted by accident the Westpac Billers Code and reference number..thank you

    • Staff
      May | June 28, 2016

      Hi Lyn,

      Thanks for your comment.

      For your convenience, I’ve forwarded to your email the biller code and reference number that you can use when paying through BPay.

      Cheers,
      May

  2. Default Gravatar
    Nina | May 12, 2016

    Hi,

    I need to close my Ignite credit card. I rarely use the card and cannot remember if I have online login etc. Please advise on the methods available to close the account. It has a zero balance.

    Thanks in advance.

    • Staff
      May | May 12, 2016

      Hi Nina,

      Thanks for your inquiry.

      You have come through to finder.com.au, we are an Australian financial comparison website and general information service, not actually Westpac.

      After you have verified and confirmed that there is no balance left on your card, you can call your card issuer’s customer service department to inform them of your decision. There are companies that might agree to cancel your card over the phone by confirming your identity, but some others might require that you send a written request.

      You may also like to read our guide on how you can cancel your credit card account here.

      I hope this is helpful.

      Cheers,
      May

  3. Default Gravatar
    Matt | March 29, 2016

    I was trying to purchase a media subscription online from The U.S. and the payment wasn’t being authorized because the subscription required a U.S. Zip code which seems incompatible with Westpac payments. Is there any solution that may help?

    • Staff
      Ally | March 29, 2016

      Hi Matt,

      Thanks for reaching out.

      Kindly note that finder.com.au is an online comparison service that does not represent any credit card issuer such as Westpac.

      You might need to contact the Westpac team directly regarding this matter.

      That said, I have emailed you their contact details for direct assistance.

      I hope this has helped.

      Cheers,
      Ally

  4. Default Gravatar
    Lee | January 24, 2016

    Can I access my deeming account using my Ignite Credit Card at a ATM. Also can I make shop purchases using my Ignite Credit Card but have the money come out of my deeming account, and if so what buttons should I push? Thank you.

    • Staff
      Debbie | January 25, 2016

      Hi Lee,

      Thanks for your inquiry.

      According to Westpac, you can use your Ignite Credit Card to make balance enquiries, get cash advances and access any transaction or savings accounts as long as it is linked on your Ignite credit card. Please note that fees may apply for these transactions.

      You may wish to contact directly your service provider to confirm the process of your purchases. They will be more happy to assist you further.

      Please refer to the contact number I’ve sent in your email.

      I hope this helps.

      Cheers,
      Debbie

  5. Default Gravatar
    Lozza | January 5, 2016

    Hi
    Is it possible to have my Ignite C/card finish on the same day every month and start the next. ie start 7th and finish 6th ??

    • Staff
      Debbie | January 7, 2016

      Hi Lozza,

      Thanks for your question and for coming through finder.com.au.
      You may want to contact directly Westpac for billing statement adjustments.
      Please refer to the contact number I sent on your email.

      For more tips on how to pay your credit card bill on time, please check this page.
      I hope this helps.

      Cheers,
      Debbie

  6. Default Gravatar
    Grant | November 15, 2015

    Hi,
    How do I cancel a transaction on my ignite credit card.
    Thanks
    Regards
    Grant

    • Staff
      Jonathan | November 16, 2015

      Hi Grant, thanks for your inquiry!

      You can call 1300 130 961 to dispute a transaction on your Westpac Ignite credit card.

      Cheers,

      Jonathan

  7. Default Gravatar
    Jocelyn | October 31, 2015

    Hi,
    We have an Ignite MasterCard. Can you tell me if this is connected to any of the frequent flyer programs on offer?
    We are Qantas f/f members + I also have Asia miles. I would like to make the most of my card if is in connection of a program.
    Thank you

    • Staff
      Jonathan | November 2, 2015

      Hi Jocelyn, thanks for your inquiry!

      Unfortunately the Westpac Ignite credit card does not include any frequent flyer programs. You may like to compare Qantas Frequent Flyer credit cards.

      Cheers,

      Jonathan

  8. Default Gravatar
    Colin | October 19, 2015

    I have just received my replacement Ignite MasterCard.
    Can you please advise me if there are any ongoing annual fees associated with this card or not

    • Staff
      Jonathan | October 19, 2015

      Hi Colin, thanks for your inquiry!

      The Westpac Ignite Credit Card has no annual fee for life.

      Cheers,

      Jonathan

  9. Default Gravatar
    Brendon | September 14, 2015

    I got my new ignite Mastercard and can not remember my PIN number, how do I obtain a new one?

    • Staff
      Sally | September 15, 2015

      Hi Brendon,

      Thanks for your inquiry.

      In case you have forgotten your Ignite Mastercard PIN number, it would be best to contact Westpac directly to obtain a new one. Alternatively, you may also wish to go to any Westpac branch and carry your ATM card and identification cards with you, and request a new PIN.

      Please refer to the link and contact details I have forwarded to your email.

      I hope this has helped.

      Cheers,

      Sally

  10. Default Gravatar
    ian | September 10, 2015

    lost or stolen card

    • Staff
      Sally | September 10, 2015

      Hi Ian,

      Thank you for your question.

      If you need to report a lost or stolen card, you have a few options.

      If you’d like to report your lost or stolen card online, you’ll need to sign in to Westpac Online Banking, select “Services” from the “Services and preferences menu” and then select “lost or stolen cards” from the “Urgent services option”.

      To report it via mobile banking, you’ll need to sign in to Westpac Mobile Banking, go to the menu and select security and then select report lost/stolen card.

      Otherwise, you can contact the Cards Customer Service Centre, which is available 24 hours a day, 7 days a week. I’ve emailed you the contact number.

      I hope this has helped.

      Thanks,

      Sally

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