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[Skip to main content](#content) [Skip to main navigation](#main-nav) [Skip to access and inclusion page](/web-accessibility/) [Skip to search input](#search) 

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* [ Rewards credit cards](/personal-banking/credit-cards/reward/)
* Altitude Rewards Black

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Our premium Altitude Rewards credit card gets you the highest Points earn rate, flexibility in how you redeem with Pay with Points, complimentary airport lounge access, insurances and more.

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Apply now 
* [Already with Westpac? ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-black/summary "Already with Westpac?")
* [Not yet with Westpac?](/personal-banking/credit-cards/reward/altitude-black/summary/ "Not yet with Westpac?")

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Apply now 
* [Already with Westpac?](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29altitude-rewards%28%5F$%29altitude-rewards-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-black%2Fsummary "Already with Westpac?")
* [Not yet with Westpac?](/personal-banking/credit-cards/reward/altitude-black/summary/ "Not yet with Westpac?")

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[](#) 

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Error 

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### Important Notice

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From **1 October 2026**, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. [Find out more](/personal-banking/credit-cards/credit-card-changes/?pid=iwc:cc:CCCI1%5F2607::)

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##  Get up to 200,000 bonus Altitude Rewards Points

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Star1 Already with Westpac? Sign in to apply for a $149 card fee for the first year\*\* 

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Get up to **200,000 bonus Altitude Rewards Points** — **100,000** Rewards Points in year 1 if you spend $12k+ on eligible purchases within 12 months of new card approval and an extra **100,000** points with $12k+ spend on eligible purchases in year 2.  
  
Plus, a **reduced first year card fee of $200** (reverts to $295 p.a. thereafter).

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**Already with Westpac?** Sign in to apply for **a $149 card fee for the first year** (reverts to $295 p.a. thereafter).

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Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.  
  
Close 

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Close 

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

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## Standard rates and fees

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 New cards only.  

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

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* [At a glance](#tab1)
* [Fees](#tab2)

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[At a glance](#tab1) 

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| **20.99% p.a.**  | Variable purchase rate                             |
| ---------------- | -------------------------------------------------- |
| **21.99% p.a.**  | Variable cash advance rate                         |
| **$6,000**       | Minimum credit limit                               |
| **$75,000 p.a.** | Minimum income required                            |
| **3**            | Altitude points per $1 on international spend      |
| **2**            | Altitude points per $1 on everyday spend           |
| **1**            | Altitude point per $1 spend on all other purchases |

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Once you spend $10,000 in a statement cycle, you will earn 0.5 Altitude points per $1 on further eligible purchases.

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[Fees](#tab2) 

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| **$295**                    | Annual card fee                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| --------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **$0**                      | Annual Altitude Rewards Program fee                                                                                                                                                                                                                                                                                                                                                                                                                                                 |
| **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](https://www.westpac.com.au/personal-banking/credit-cards/manage/fees-interest/minimising-fees). |
| **Cash advance fee**        | 3.5% 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**      | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                                                    |

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### What kind of businesses are included in the new ‘everyday spend’ category?

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Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

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* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

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## Why choose Altitude Rewards Black card?

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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 or our own online store.

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###  Split purchases into 4 payments

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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.

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

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###  Complimentary Insurances

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 Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 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).

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###  Complimentary Lounge passes

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Relax before you fly with 2 complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion. See FAQs for how to redeem.

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## Other reasons to choose

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###  Up to 45 days interest-free

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

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###  No card? No problem 

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 On top of Apple Pay, Samsung Pay 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.

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###  Additional cardholder

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

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###  Cashback and discounts

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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.

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###  Fraud protection

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

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###  Tools to stay on top

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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/).

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###  Personal Concierge Service

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 Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. [Find out more](https://westpac.tenconcierge.com/) 

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## Alternative credit cards

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## Altitude Rewards Platinum card

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Pay a lower annual card fee and still earn Altitude Rewards Points (at a lower rate), as well as enjoy complimentary insurances.

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[Find out more about Altitude Rewards Platinum](/personal-banking/credit-cards/reward/altitude-platinum/) 

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

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### [View Low Rate card](/personal-banking/credit-cards/low-rate-cards/low-rate/) 

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### [View all credit cards](/personal-banking/credit-cards/) 

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## Frequently asked questions

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[How do I register for the complimentary lounge passes?](#tab1) 

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##### Priority Pass Lounge

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If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.

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[Register your card at prioritypass.com/westpacblack](https://www.prioritypass.com/westpacblack)

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[How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab2) 

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 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.

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[What do the complimentary insurances cover?](#tab3) 

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##### International Travel Insurance(see policy for details)

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 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).

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##### Overseas Transit Accident Insurance

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 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).

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##### Purchase Protection Insurance

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 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).

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##### Extended Warranty Insurance

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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).

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[What is the Personal Concierge Service and how does it benefit me?](#tab4) 

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We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can [find out more here](https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999) (option 4) for 24/7 personalised assistance.

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## Keep exploring

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###  Credit card 101

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* [Understanding credit cards](/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/)
* [Platinum or Premium rewards credit cards?](/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards/)
* [How to compare rewards credit cards](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards/)
* [Managing credit card debt](/personal-banking/credit-cards/debt/)

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###  Travel and rewards

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* [Travel rewards credit card benefits](/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/)
* [Which credit card for travel?](/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/)
* [Travelling overseas?](/personal-banking/credit-cards/manage/travelling-overseas-insurance/)

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###  Handy articles and guides

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* [What is credit card purchase protection and extended warranty?](/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty/)
* [How to get the most of your rewards card](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card/)
* [Smart ways to redeem Altitude Points](/personal-banking/credit-cards/explore/redeem-altitude-points/)
* [What is the concierge service on a credit card?](/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge/)

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Edit 

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### Get started

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Apply online

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Apply now Apply now 
* [Already with Westpac ](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/altitude-rewards/altitude-rewards-black/summary "Already with Westpac") [Already with Westpac](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29altitude-rewards%28%5F$%29altitude-rewards-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Faltitude-rewards%2Faltitude-rewards-black%2Fsummary "Already with Westpac")
* [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-black/summary/ "Not yet with Westpac") [Not yet with Westpac](/personal-banking/credit-cards/reward/altitude-black/summary/ "Not yet with Westpac")

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Telephone 

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###### Give us a call

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[ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) 

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## Things you should know

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

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[ 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)

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[ 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)

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[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 850KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)  

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[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

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[ 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%5FIndividualCustomers.pdf)

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

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

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

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**^Bonus Altitude Points Promotion Altitude Black:** Offer commenced 1st May 2026\. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Black Rewards credit card before the offer is withdrawn. You will receive an initial 100,000 bonus points if you spend $12k or more on eligible purchases within 12 months from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You'll receive an additional 100,000 bonus points in the second year if you spend a minimum of $12k on eligible purchases within the subsequent year. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. 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 24 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. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**Reduced First year Card Fee for Altitude Rewards Black:** Offer commenced 1st May 2026\. The discounted first year Card Fee of $200 is available when you apply and are approved for a new Altitude Rewards Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black:** Offer commenced 1st May 2026\. The discounted first year Card Fee of $149 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

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**†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.

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**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)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) 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.

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The Westpac Extras program is subject to the [ Pdf File terms and conditions (PDF 164KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf) at [Westpac.com.au/extras](/personal-banking/credit-cards/westpac-extras/). Offers will also be subject to their own terms and conditions.

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**\~If you choose to make any payment** in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as 'all other purchases'. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

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**1.** **Priority Pass Membership**: Complimentary Pass membership is available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. It requires enrolment through [prioritypass.com/westpacblack](https://www.prioritypass.com/en-GB/westpacblack). The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional member/guest visit fee, which can be found on the Priority Pass website [https://www.prioritypass.com/join-prioritypass](https://www.prioritypass.com/en-GB/join-prioritypass). The additional fee will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on [www.prioritypass.com](https://www.prioritypass.com/) for enquiries about the Priority Pass program. Subject to the [Priority Pass Conditions Of Use](https://www.prioritypass.com/en-GB/conditions-of-use).

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**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.

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**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 850KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.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.

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**Altitude Rewards**: You must be a member of the relevant transfer partner program to redeem Altitude Points for that partner's rewards or frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Altitude Rewards program, visit [altituderewards.com.au](https://www.altituderewards.com.au/). 

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**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/)

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**8\. 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.

Read the [ Pdf File Apple Pay Terms and Conditions (PDF 160KB)](/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 147KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung%5FPay%5FWBC%5FTandCs.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 158KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac%5FGoogle%5FPay%5FTerms%5Fand%5FConditions.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.