Using Westpac Credit Card Overseas

Information verified correct on September 26th, 2016
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You can use your Westpac credit card overseas without any problem because MasterCard, Visa and American Express are readily accepted right across the globe.

AMEX acceptance is less than the other two, most people will have either a Visa or MasterCard with them, and this assures that purchases can be made at more than 28 million locations worldwide, and cash withdrawn from over 900,000 ATMs worldwide.

The only thing you need to remember when using your Westpac credit card overseas is that it’s a slightly more expensive affair. This is not unique to Westpac – this is standard with any credit card. There are costs involved when using a credit card outside its country of issue, and those costs are born by the cardholder.

What fees can I expect to pay when using Westpac cards overseas?

  • Westpac charges a fee of 3% for Visa/ MasterCard and 3.5% for American Express for purchases and cash advances made overseas. This fee is charged on the total amount of the transaction.
Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Westpac Altitude Card
Enjoy 50,000 bonus points (Altitude or Qantas Points) and a balance transfer rate offer of 0% p.a. for 16 months. Also receive 1% p.a. on purchases for 12 months.
1% p.a. for 12 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $100 p.a. Go to site More info
Westpac Altitude Platinum Card
Receive 50,000 bonus points (Altitude or Qantas Points) on eligible spend and a low balance transfer offer of 0% p.a. for 16 months. Also enjoy a low purchase offer of 1% p.a. for 12 months.
1% p.a. for 12 months (reverts to 20.24% p.a.) 0% p.a. for 16 months $150 p.a. Go to site More info
Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
28 Degrees Platinum MasterCard
Pay no annual fee ever and save on international transaction and ATM fees.
21.99% p.a. 4.99% p.a. for 6 months $0 p.a. Go to site More info

Always pay in local currency

The rule when using your Westpac credit card abroad is always to make sure that you pay in local currency. Don’t try to be patriotic and pay in Aussie dollars because this will attract the dreaded Dynamic Currency Conversion (DCC) fee. This is a fee charged by the merchant for making the conversion and will be far higher than MasterCard, Visa or Amex will charge for doing the same when the transaction reaches them. Always pay in local currency, and remember that it is your right in international law to choose which currency you pay in. Merchants cannot insist that you pay in Aussie dollars, so if you are ever presented with a bill that has been totalled up in Aussie dollars, refuse it and insist you pay in the local currency.

This also applies when using your Westpac credit card overseas in ATMs. Generally, you will be charged in local currency, but some banks can be sneaky and present you with a screen that asks which currency you wish to be charged in. Read this carefully and choose the “YES” or “NO” option that means you are not charged in Aussie dollars.

Compare Westpac credit cards here

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2 Responses to Using Westpac Credit Card Overseas

  1. Default Gravatar
    Richard | August 13, 2014

    Do I need to notify Westpac that I am travelling overseas. I have a Westpac Visa and Amex Card

    • Staff
      Jeremy | August 14, 2014

      Hi Richard

      It is best to notify Westpac that you are travelling. You can let them know by calling 1300 130 961 or +61 2 9293 9270 from overseas.

      Please let us know if there is anything else we can help you with

      Cheers,
      Jeremy

Credit Cards Comparison

Rates last updated September 26th, 2016
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
Enjoy a 0% p.a. balance transfer offer for 18 months and also earn 2 bonus Velocity Points in the first 3 months on everyday spend.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info
ME Bank frank Credit Card
Enjoy a low and consistent interest rate on purchases and cash advances, combined with no annual fee.
11.99% p.a. $0 p.a. Go to site More info
St.George Vertigo Visa
Introductory offer of 0% p.a. for 18 months on balance transfers and 1% p.a. for 12 months on purchases, plus a low annual fee.
1% p.a. for 12 months (reverts to 13.24% p.a.) 0% p.a. for 18 months $55 p.a. Go to site More info
HSBC Platinum Credit Card
Receive a full annual fee refund and save $149 if you meet the $6,000 spend requirement. Enjoy a balance transfer offer and platinum card benefits such as complimentary insurances and concierge services.
19.99% p.a. 0% p.a. for 15 months $149 p.a. Go to site More info

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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