Westpac Ignite Credit Card – Frequently Asked Questions

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.

Important Information

The Westpac Ignite Credit Card is no longer available for new applications. However, we've kept the information online for the benefit of existing customers and for those who are interested.

You can compare the current range of Westpac credit cards here.

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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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139 Responses

  1. Default Gravatar
    RitaJuly 22, 2017

    Would you please advise what the annual percentage rate was on the old Virgin credit card prior to Wetpac taking over.

    • Staff
      DanielleJuly 23, 2017Staff

      Hi Rita,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      The Virgin credit card was re-branded as the Ignite card in 2009. The purchase interest rate was 12.99% and the cash advance rate was 17.74%, with no annual fee on the card.

      I hope this helps.

      Cheers,
      Danielle

  2. Default Gravatar
    SandieApril 3, 2017

    Can i get free access to the virgin airport lounges with my westpac Ignite card ? As it was a virgin credit card previously ?
    Its not clear even when i asked my bank manager at westpac? Help

    • Staff
      HaroldApril 4, 2017Staff

      Hi Sandie,

      Thank you for your inquiry.

      Unfortunately, with Wespac Ignite you will not have an access to airport lounges. Should you need a Wespac credit card where you can use to access airport lounges you may want to consider “Black credit card”. For further details you can visit this page.

      I hope this information has helped.

      Cheers,
      Harold

  3. Default Gravatar
    LynJune 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
      MayJune 28, 2016Staff

      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

  4. Default Gravatar
    NinaMay 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
      MayMay 12, 2016Staff

      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

  5. Default Gravatar
    MattMarch 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
      AllyMarch 29, 2016Staff

      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

  6. Default Gravatar
    LeeJanuary 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
      DebbieJanuary 25, 2016Staff

      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

  7. Default Gravatar
    LozzaJanuary 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
      DebbieJanuary 7, 2016Staff

      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

  8. Default Gravatar
    GrantNovember 15, 2015

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

    • Staff
      JonathanNovember 16, 2015Staff

      Hi Grant, thanks for your inquiry!

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

      Cheers,

      Jonathan

  9. Default Gravatar
    JocelynOctober 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
      JonathanNovember 2, 2015Staff

      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

  10. Default Gravatar
    ColinOctober 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
      JonathanOctober 19, 2015Staff

      Hi Colin, thanks for your inquiry!

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

      Cheers,

      Jonathan

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