Credit Card Services


A credit card is different from a charge card, where it requires the balance to be repaid in full each month.[2] In contrast, credit cards allow the consumers a continuing balance of debt, subject to interest being charged. A credit card also differs from a cash card, which can be used like currency by the owner of the card. A credit card differs from a charge card also in that a credit card typically involves a third-party entity that pays the seller and is reimbursed by the buyer, whereas a charge card simply defers payment by the buyer until a later date.

When you apply for a credit card, you have the option of nominating your preferred credit limit, or the maximum credit limit available to you based on our assessment of the information you provide in your application. Minimum card limits apply, so you will need to nominate your preferred credit limit with this in mind.

How an application is assessed

When you apply for a credit card we take into consideration your employment type and history, minimum income thresholds for each card, your credit report, any credit history you have with us and your ability to service the credit card based on your overall financial position.


A credit card may be used for purchases in person, over the phone or online. For a fast and convenient payment option for purchases under $100 - simply hold your contactless card against the terminal wherever you see the contactless symbol or your card logo - no need to enter a PIN or sign (where available).

Contactless technology is also a faster way to pay using a Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone to tap and pay for everyday purchases. Simply download the Westpac Mobile Banking app and choose which debit or credit cards you wish to use for mobile payments. To make a payment simply hold the back of your Samsung Galaxy S5, S4 or Note 3 (N9005) smartphone against the contactless terminal.

Cash advances

Generally speaking, a cash advance transaction provides you with the flexibility to use your credit card to withdraw cash from your credit card account.

Interest is charged on balance transfers from the date they’re made until the amount of the transaction is paid in full. Balance transfers

A balance transfer is an optional feature of a credit card that allows you to request to transfer non-Westpac credit card balances to a Westpac credit card.