Westpac Altitude Rewards Platinum (Waived annual fee for Westpac Customers)

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   * Altitude Rewards Platinum
     [/personal-banking/credit-cards/reward/altitude-platinum]
   * Altitude Rewards Black
     [/personal-banking/credit-cards/reward/altitude-black]
   * Altitude Qantas Platinum
     [/personal-banking/credit-cards/reward/altitude-qantas-platinum]
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     [/personal-banking/credit-cards/reward/altitude-qantas-black]
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     [/personal-banking/credit-cards/reward/altitude-velocity-platinum]
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     [/personal-banking/credit-cards/reward/altitude-velocity-black]

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    * All Rewards cards [/personal-banking/credit-cards/reward/]
   
    * * Altitude Rewards Platinum
        
        Pick up our Altitude Rewards Platinum credit card to earn uncapped
        Westpac Altitude Points as well as enjoy additional rewards benefits.
        Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-platinum/]
      * Altitude Rewards Black
        
        Pick up our Altitude Rewards Black credit card to earn uncapped Westpac
        Altitude points as well as enjoy additional rewards benefits. Apply
        online.
        
        [/personal-banking/credit-cards/reward/altitude-black/]
      * Altitude Qantas Platinum
        
        Pick up our Altitude Qantas Rewards Platinum credit card to earn Qantas
        Points as well as enjoy additional rewards benefits. Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-qantas-platinum/]
      * Altitude Qantas Black
        
        Pick up our Altitude Qantas Rewards Black credit card to earn Qantas
        Points as well as enjoy additional rewards benefits. Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-qantas-black/]
      * Altitude Velocity Platinum
        
        Pick up our Altitude Velocity Rewards Platinum credit card to earn
        uncapped Velocity Points as well as enjoy additional rewards benefits.
        Apply online.
        
        [/personal-banking/credit-cards/reward/altitude-velocity-platinum/]
      * Altitude Velocity Black
        
        Pick up our Altitude Velocity Rewards Black credit card to earn uncapped
        Velocity Points as well as enjoy additional rewards benefits. Apply
        online.
        
        [/personal-banking/credit-cards/reward/altitude-velocity-black/]

 * Personal [/personal-banking]
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 * Altitude Platinum

[/content/dam/public/wbc/images/personal/credit-cards/wbc-w_m_CC-name_altitude-plat_900x342.jpg]

ALTITUDE REWARDS PLATINUM

Enjoy Platinum Card benefits and the flexibility of Altitude Rewards. Choose
from gift cards, merchandise or our unique 'Pay with Points’ feature.
Apply now
 * Already with Westpac
   [https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-platinum/summary]
 * Not yet with Westpac
   [/personal-banking/credit-cards/reward/altitude-platinum/summary]

Apply now
 * Already with Westpac
   [https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers(_$)credit-cards(_$)altitude-rewards(_$)altitude-rewards-platinum(_$)summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-platinum%2Fsummary]
 * Not yet with Westpac
   [/personal-banking/credit-cards/reward/altitude-platinum/summary]

exclusive viewBox="0 0 27 37" style="enable-background:new 0 0 27 37;"
xml:space="preserve">exclusive

GET UP TO 120,000 BONUS ALTITUDE REWARDS POINTS

Star1 Already with Westpac? Sign in and apply to get your first year card fee
waived

Get up to 120,000 bonus Altitude Rewards Points> — 90,000 Rewards Points in year
1 if you spend $3k+ on eligible purchases† within 90 days of new card approval
and an extra 30,000 points after your first eligible purchase in year 2.

Plus, a reduced first year card fee of $49≈ (reverts to $175 thereafter).
Already with Westpac? Sign in and apply and we’ll waive your first year card
fee>>>.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card
with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

Already with Westpac? Sign in to apply
[https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-platinum/summary]
Already with Westpac? Sign in to apply
[https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers(_$)credit-cards(_$)altitude-rewards(_$)altitude-rewards-platinum(_$)summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-platinum%2Fsummary]
Not yet with us? Apply here
[/personal-banking/credit-cards/reward/altitude-platinum/summary] Not yet with
us? Apply here [/personal-banking/credit-cards/reward/altitude-platinum/summary]

AT A GLANCE

$175

Annual card fee

$0
Annual Altitude Rewards Program fee 20.99% p.a.
Variable purchase rate 21.99% p.a. Variable cash advance rate $6,000
Minimum credit limit  $30,000 p.a. Minimum income required 3 pts/$ On Qantas and
Jetstar flights bought in Australia, eligibility criteria apply1. 2 pts/$ On
Uber, Uber Eats, Spotify Premium, Airbnb and on Overseas Spend (including
overseas purchases made from Australia)6 1 pt/$6 On all other eligible
purchases†

New cards only. See below for standard rates and fees.

Westpac Platinum rewards credit card
[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards_altitude-platinum_588x383.png]
[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_cc_pay-with-points-_384x160.jpg]

WHY CHOOSE ALTITUDE REWARDS PLATINUM CARD?

Our Altitude Rewards program has no rewards fee and plenty of flexibility in how
you can use your points. Pay with Points
[/personal-banking/credit-cards/manage/rewards/pay-with-points] feature allows
you to use your points for everyday purchases, anywhere Mastercard is accepted.
You can also choose from retail gift cards, cashback, a range of partner
airlines, our own online store or our ‘spend and erase’ feature. Plus, you’ll
earn points at a higher rate when shopping with select partners.<<< 

[/content/dam/public/wbc/images/personal/credit-cards/wbc_clp_p_cc_earn-more-points_356x200.jpg]

EARN MORE POINTS

With Westpac Altitude Rewards Platinum you’ll also earn points at a higher rate
when you use your card with select partners, including Uber, Spotify Premium and
Airbnb. <<<

[/content/dam/public/wbc/images/personal/credit-cards/wbc_clp_p_cc_complimentary-insurance_356x200.jpg]

COMPLIMENTARY INSURANCES

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in
Australia cover, up to 3 months’ complimentary cover for international travel
insurance, plus extended warranty, purchase protection for up to 4 months and
overseas transit accident insurance. (terms, conditions, exclusions and
eligibility criteria apply). 4

[/content/dam/public/wbc/images/personal/credit-cards/partpay/wbc-clp_partpay-356x200.jpg]

SPLIT PURCHASES INTO 4 PAYMENTS

Take advantage of the PartPay feature on your credit card account to split
purchases into 4 payments over 6 weeks. Just turn on to start using.

 * Tell me more [/personal-banking/credit-cards/partpay]

OTHER REASONS TO CHOOSE

Up to 45 days interest-free

To give you more opportunity to avoid interest charges on your purchases2. Note
cash advances aren’t covered by this interest-free period. 

No card? No problem

On top of Apple Pay, Samsung PayTM and Google Pay, you can use our Instant
Digital Card from the moment your account is opened. No need to wait for a
physical card.

Additional cardholder

Add 1 additional cardholder (16 years or older) at no extra cost5.

Cashback and discounts

With a Westpac credit card, you'll get personalised cashback offers from Westpac
Extras [/personal-banking/credit-cards/westpac-extras], Westpac bonus Cashback
when you shop via the Westpac Lounge
[/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback]
on ShopBack, plus other discounts and offers from a wide range of shops,
in-store and online.

Fraud protection

From verifying suspicious transactions to our fraud money back guarantee, we aim
to keep you protected [/security/westpac-protect-centre].

Tools to stay on top

These include options like PartPay
[/personal-banking/credit-cards/partpay], SmartPlan
[/personal-banking/credit-cards/smartplan], Balance Transfers
[/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer], Card
Autopay [/personal-banking/online-banking/making-the-most/card-autopay] and SMS
payment reminders [/faq/credit-card-reminder-set-up-app].

Master your money within the Westpac App
[/content/dam/public/wbc/images/personal/bank-accounts/PFM_Categories_2.gif]

TAKE CONTROL OF YOUR MONEY WITHIN THE WESTPAC APP

Powerful money management tools in the palm of your hand.

GET SPEND AND CASH FLOW INSIGHTS

Track your month-to-month Cash flow
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]
and spot areas where you could be making savings with your spend sorted in
Categories
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]. 

MANAGE YOUR CARDS IN ONE PLACE

Order a new card, change your pin or temporarily lock your card if you misplace
it, all in the app’s convenient Cards Hub
[https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/].

VIEW AND TRANSFER FUNDS FAST

Quick Balance
[https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/]
lets you view the balance of three main accounts and quickly transfer money
without signing in.

Explore our in-app's budgeting tools Refresh
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]
Explore our in-app's budgeting tools Refresh
[https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/]

STANDARD RATES AND FEES

New cards only

Follow these tips to minimise credit card fees and charges
[/personal-banking/credit-cards/manage/fees-interest/minimising-fees].

Annual card fee

$175

Annual Rewards Program fee Altitude Rewards: $0

Foreign transaction fee

3%

Payable as a percentage of the Australian dollar value of any foreign
transaction.

Applies for transactions in a foreign currency, or in Australian dollars but
processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing
the transaction is located outside Australia. More about this fee
[/personal-banking/credit-cards/manage/fees-interest/minimising-fees].

Cash advance fee

3% of the value of the transaction will apply to each cash advance made on your
card account.

These charges will appear on your credit card statement directly below the
relevant cash advance.

Missed payment fee $15 each statement cycle that the minimum monthly payment is
not paid by the statement due date.

ALTERNATIVE CREDIT CARDS

WESTPAC LOW RATE CARD

One of our lowest interest rates on purchases, up to 55 days interest-free and a
$59 annual card fee.

Find out more about Westpac Low Rate card
[/personal-banking/credit-cards/low-rate-cards/low-rate]

[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards-selector-altitude-black.png]
[/personal-banking/credit-cards/reward]

View all Rewards cards [/personal-banking/credit-cards/reward]

[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards-selector-low-fee.png]
[/personal-banking/credit-cards/low-fee]

View Low Fee cards [/personal-banking/credit-cards/low-fee]

[/content/dam/public/wbc/images/personal/credit-cards/wbc_misc_p_credit-cards-selector-low-fee-platinum.png]
[/personal-banking/credit-cards]

View all cards [/personal-banking/credit-cards]

FREQUENTLY ASKED QUESTIONS

How does the Complimentary International Travel Insurance work and am I eligible
for it?

You can obtain written confirmation of eligibility for cover for your overseas
journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227
177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from
the insurer, Allianz Australia Insurance Limited, based on the answers you give
AGA, by applying online at: checkyourcover.com.au/westpac
[https://travel.agaassistance.com.au/westpac/travel-insurance]. If you provide
AGA with incorrect answers to the questions we ask you, you may not be eligible
for cover under the group policy issued to Westpac.4

Are purchases made through Spotify or Spotify Premium eligible for Accelerated
Earn?

Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s
Australian website, are eligible for Accelerated Earn. Ticket purchases or
merchandise purchased through Spotify are not eligible for Accelerated Earn
Bonus Points.

What do the complimentary insurances cover?

INTERNATIONAL TRAVEL INSURANCE4(SEE POLICY FOR DETAILS)

Access to up to 6 months' complimentary cover for International Travel Insurance
when you meet the eligibility criteria as set out in the Credit Card
Complimentary Insurance Policy including prepaying $500 of your travel costs to
your eligible card and holding a return overseas ticket before departing
Australia, (see policy document for full eligibility criteria, terms,
conditions, and exclusions).

OVERSEAS TRANSIT ACCIDENT INSURANCE4

Overseas Transit Accident Insurance covers against specified accidental death or
injury when sustained overseas while riding, boarding or alighting as a
passenger in a plane, bus, train or shorthaul ferry when you have purchased the
tickets for the entire trip using your Credit Card before you leave (terms,
conditions, exclusions and eligibility criteria apply).

PURCHASE PROTECTION INSURANCE4

Access to up to 4 months Purchase Protection Insurance on eligible purchases, as
set out in the Credit Card Complimentary Insurance Policy (terms, conditions,
exclusions and eligibility criteria apply).

EXTENDED WARRANTY INSURANCE4

Up to 24 months extended warranty insurance cover (in addition to the
manufacturer's expressed Australian warranty) on a range of personal items
purchased using your Credit Card (terms, conditions, exclusions and eligibility
criteria apply).

Edit

GET STARTED

Apply online

Apply now Apply now
 * Already with Westpac
   [https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-platinum/summary]
   Already with Westpac
   [https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers(_$)credit-cards(_$)altitude-rewards(_$)altitude-rewards-platinum(_$)summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-platinum%2Fsummary]
 * Not yet with Westpac
   [/personal-banking/credit-cards/reward/altitude-platinum/summary] Not yet
   with Westpac
   [/personal-banking/credit-cards/reward/altitude-platinum/summary]

Telephone

GIVE US A CALL

1300 651 089 [tel:1300%20651%20089]

8am – 8pm Sydney Time, 7 days

Credit Card

HELP ME CHOOSE

Let’s begin Refresh [/personal-banking/credit-cards/help-me-choose] Let’s begin
Refresh [/personal-banking/credit-cards/help-me-choose]

THINGS YOU SHOULD KNOW

Westpac Credit Cards Key Facts Sheet
[https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/]

Pdf File Credit Card Terms and Conditions (PDF 264KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf]

Pdf File Altitude Terms and Conditions (PDF 117KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf]

Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf]

Pdf File PartPay Card Terms and Conditions (PDF 96KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay_card_terms_and_conditions.pdf]

Pdf File ID checklist to become a customer (PDF 657KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist_IndividualCustomers.pdf]

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades
or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in
conjunction with any other promotion.

Be credit savvy: Before applying, consider a realistic credit limit and check
all conditions, interest rates, fees and charges on your selected card.

>Altitude Rewards Platinum Bonus Points Promotion: To be eligible for up to
120,000 bonus Altitude Reward Points, you must apply and be approved for a new

You will receive an initial 90,000 bonus points if you spend $3k or more on
eligible purchases within 90 days of card approval. These will be credited to
your points balance within 12 weeks of meeting this spend criteria. You will
receive an additional 30,000 bonus points if you keep your account open for more
than 12 months and continue to use the card. These additional points will be
credited to your points balance within 12 weeks, after the first eligible
purchase is made in the second year of your card account being active. If you do
not meet the minimum spend criteria within 90 days of card approval, you forfeit
the initial 90,000 bonus points only. However, you are still eligible for the
additional 30,000 bonus points in the second year if you continue to use your
card. Existing Westpac customers who currently hold an Earth Classic, Earth
Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum
or Altitude Black credit card, or who have held one in the last 12 months, are
not eligible for this offer. Eligible purchases do not include interest, fees
and charges, cash or ATM cash advances, cash equivalent transactions, gambling
transactions, a purchase from or payment to a local, state or federal government
or government related agency, BPAY or similar transactions (such as Post
Billpay), refunds and balance transfers debited from the card account. Credit
Card Product Switches, upgrades or Westpac group staff are ineligible for this
offer.

≈Reduced First year Card Fee for Altitude Rewards Platinum: The discounted first
year Card Fee of $49 is available when you apply and are approved for a new

After the first year, the Card Fee reverts to $175 thereafter, and will be
debited to your card account on the 12-month anniversary of the Card Fee date
and annually thereafter. 

>>> Existing customers only - Altitude Rewards Platinum First Year Card Fee
Waiver: is available for existing Westpac customers when you apply and are
approved for a new Altitude Rewards Platinum credit card between 2nd November

thereafter, and will be debited to your account annually on the 12-month
anniversary of the Card Fee date.

<<< Accelerated Earn - Shop, Stream, Ride and Stay: Applies only to domestic
spend made in Australian dollars or any other currency (and converted to
Australian dollars) using your card or card account with a Merchant who is
located in Australia. Excludes Westpac Altitude Qantas and Westpac Altitude
Velocity. Participating merchants are subject to change.

†Eligible purchases do not include interest, fees and charges, cash or ATM cash
advances, cash equivalent transactions, gambling transactions, a purchase from
or payment to a local, state or federal government or government related agency,
BPAY or similar transactions (such as Post Billpay), refunds and balance
transfers debited from the card account.

1. Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000
spent on flights per calendar month, then 1.25 points per $1 spent thereafter on
the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000
on flights per calendar month, then 1 point per $1 spent thereafter on the
Altitude Platinum Mastercard. Points earn applies to flights purchased in
Australia directly with the above listed participating airlines using your
Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not
purchased directly with the participating airlines for example flights purchased
through a travel agent, online aggregators or other airlines such as a
code-share etc. Excludes Altitude Qantas, Altitude Velocity and Visa cards.
Participating airlines are subject to change.

5. Additional cardholder: An additional credit card can be issued on the primary
cardholder’s account to any nominated person 16 years or over. All transactions
using the additional credit card will be the responsibility of the primary
cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the
primary cardholder. No additional cardholders allowed on Flex Card.

2. Interest free period is available when you pay the Closing Balance (or the
Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or
a PartPay Card) in full by the payment due date.

6. Rewards Points: The earning and redemption of Altitude Points, Velocity
Points and Qantas Points are subject to the Pdf File Altitude Terms and
Conditions (PDF 117KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf].
Purchases that are not eligible to earn Rewards Points are set out in the Pdf
File Altitude Terms and Conditions (PDF 117KB)
[https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf].
You do not receive points if you have not paid the Minimum Payment Due in full
and on time and in other circumstances. Points earnt for  Pdf File PartPay (PDF
96KB)

Purchases are based on the full value of the purchase, and not on each
instalment amount. Qantas and Velocity Points earned during a statement cycle
are added to your respective Points balance on a monthly basis.

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a
maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas
Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on
eligible purchases annually. This annual limit resets in January each year,
based on your statement date. Bonus Points earned are not part of your annual
cap.

Altitude Rewards: You must be a member of the relevant frequent flyer program to
redeem Altitude Points for frequent flyer points. The Altitude Terms and
Conditions and the terms and conditions of the relevant frequent flyer program
apply. A joining fee may apply. Availability of Reward flights may be limited.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL
245631, trading as Allianz Global Assistance (AGA), under a binder from the
insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708
(Allianz), has issued an insurance group policy to Westpac Banking Corporation
ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which
allows eligible persons to claim under it as third party beneficiaries. Access
to the benefit of cover under the Credit Card Complimentary Insurance is
provided to eligible Westpac cardholders by operation of s48 of the Insurance
Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these
benefits, they will be bound by the eligibility criteria, terms, conditions,
limits and exclusions contained in the Pdf File Complimentary Insurance Policy
Information booklet (PDF 898KB)
[/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Consumer_Credit_Card_Comp_Insurance_Allianz.pdf] which
may be amended from time to time. This insurance is underwritten by Allianz.
Westpac does not guarantee this insurance. This information does not take your
personal objectives, circumstances or needs into account. Consider its
appropriateness to these factors before acting on it.

Read the  Pdf File Apple Pay Terms and Conditions (PDF 42KB)
[/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf] before
making a decision and consider if it is right for you. To use Apple Pay you will
need an eligible card and a compatible device with a supported operating system.
See our Apple Pay FAQs [/faq/apple-pay] for more information. Apple, the Apple
logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered
in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the Pdf File Samsung Pay Terms and Conditions (PDF 63KB)
[/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung_Pay_WBC_TandCs.pdf]
before making a decision and consider if it is right for you. To use Samsung Pay
you will need an eligible card and a compatible device with a supported
operating system. See our Samsung Pay FAQs
[/personal-banking/mobile-wallets/samsung-pay] for more information. Samsung and
Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.,
Ltd.

The Pdf File Google Pay Terms and Conditions (PDF 125KB)
[/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac_Google_Pay_Terms_and_Conditions.pdf]
before making a decision and consider if it is right for you. To use Google Pay
you will need an eligible card and a compatible device with a supported
operating system. See our Google Pay FAQs
[/personal-banking/mobile-wallets/google-pay] for more information. Google Pay
is a trademarks of Google Inc.

Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for
any unauthorised transactions provided that the customer has not contributed to
the loss and contacted Westpac promptly. Refer to the card's Pdf File Terms and
Conditions (PDF 264KB)
[/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf]
for full details, including when a customer will be liable.

Mastercard® is a registered trademark, and the circles design is a trademark of
Mastercard International Incorporated.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

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For Westpac issued products, conditions, fees and charges apply. These may
change or we may introduce new ones in the future. Full details are available on
request. Lending criteria apply to approval of credit products. This information
does not take your personal objectives, circumstances or needs into account.
Consider its appropriateness to these factors before acting on it. Read the
disclosure documents for your selected product or service, including the Terms
and Conditions [/terms-conditions], before deciding. Target Market
Determinations [/tmd] for the products are available. Unless otherwise
specified, the products and services described on this website are available
only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and
Australian credit licence 233714.

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