How do I pay Westpac credit card?

Want to pay your Westpac credit card quickly and securely? Below is an updated, SEO-friendly guide that keeps your original wording and adds practical details and payment options so you can choose the easiest method for you.

How a customer can pay a Westpac credit card

A customer can pay his credit card in Westpac Bank in the following ways: in net banking of Westpac or another bank, in the mobile application, by phoning 1300 651 089, at the nearest branch of Westpac bank, through BPAY. You may set up Card Autopay to make the payment more useful.

Pay using Online Banking or another bank (including BPAY)

You can pay your Westpac credit card from Westpac Online Banking or from another bank using BPAY. Westpac’s BPAY biller code is 5181 — use your credit card account number as the reference. To pay from Online Banking go to Payments → Make a payment and select BPAY (or set up a new payee if needed).

Pay in the Westpac mobile app

Use the Westpac App to make a payment from any linked transaction account, or add your card to a digital wallet for convenient payments. The app also allows you to send a secure message if you prefer to request account support or confirm payment details.

Pay by phone

You can make card enquiries and arrange payments by calling Westpac Card Services on 1300 651 089 (within Australia). For general Telephone Banking transfers, Westpac’s self-service line is 132 032. If you are overseas, Westpac lists dedicated international contact numbers for card and telephone services.

Pay at a Westpac branch

Visit your nearest Westpac branch to pay in person. Branch staff can accept a transfer from your transaction account, process a BPAY payment or take other payment types and provide a receipt. Use the branch locator to check opening hours and requirements.

Set up Card Autopay (automatic payments)

Card Autopay lets you automatically pay your monthly minimum, full balance or a chosen amount from a nominated Westpac account. You can set up Card Autopay in Online Banking (Services → Manage Card Autopay) or by contacting Westpac phone support where available. Make sure you set up Autopay separately for each credit card you hold.

Practical tips to avoid issues

• Double-check the BPAY reference (your credit card account number) and the biller code (5181) when paying from another bank.
• Allow sufficient processing time—BPAY and interbank transfers can take 1–3 business days depending on the channel and timing of the payment.
• Keep a record or receipt of your payment and, if needed, request confirmation from Westpac (online message, email or branch receipt).
• If you prefer fully automatic payments, set Card Autopay to avoid missed minimum payments and late fees; ensure your nominated account has enough funds on the payment date.

Final note

If you are unsure which method suits your card type, or need the quickest option from overseas, call Westpac Card Services on 1300 651 089 (or use the international contact numbers listed by Westpac) to confirm available channels and any applicable cut-off times for your payment.