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Foreign Currency Transaction Fee
The following foreign transaction fees may be payable:

1. Westpac charges a fee of 2% of the Australian dollar value of any purchases or cash advances/withdrawals when the applicable credit card scheme converts the transaction from a foreign currency into Australian dollars. This fee is incorporated into the Australian currency equivalent of the transaction shown on your statement.

2. The applicable credit card scheme may also charge Westpac fees for processing foreign transactions. We pass these fees on to you. The fees vary depending on the applicable credit card scheme:

• Visa International Service Assessment fee – 1.0%¹
• American Express foreign exchange conversion fee – 1.0% for Altitude & Altitude Gold and 1.5% for all other credit cards (including Altitude Platinum).
• MasterCard Issuer Cross-Border Assessment³ of 0.8% plus MasterCard Currency Conversion Assessment⁴ of 0.2%
  

Cash advance rate/Withdrawals Fee
An administrative charge of 2% of the value of the transaction will apply to each cash advance made on your card account, where your account has a negative (debit) balance after the transaction has been posted to it. A minimum charge of $2.50 and a maximum charge of $150 will apply in these circumstances. Where your account has a positive (credit) balance after the transaction has been posted to it, a charge of $2.50 will apply to the transaction. Any such charge will appear on your credit card statement directly below the relevant cash advance.

Missed payment charge
A charge of $35 may be payable each statement cycle that the whole of the minimum monthly payment is not paid by the statement due date. If charged, the Missed Payment Charge will be debited to your account.

Over-limit fee
A fee of $35 may be debited from your credit card account every time you exceed your credit limit during a statement cycle. It is debited from your account in that statement cycle, on or after the day(s) your credit limit is exceeded. This fee may also be charged whenever your account is over limit at the commencement of a statement cycle.

Duplicate statement fee
A fee of $7.50 may be debited from your credit card account, if you or an additional cardholder order a copy of a statement that has already been issued for your account. This fee is debited from your account on or after the day you order the duplicate statement.

Other fees and charges
Download the Consumer Credit Card Conditions of Use (PDF 225kb).






1. Visa International Service Association charges us 1.0% of the transaction amount where a transaction is made using your Visa card and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
2. American Express International Incorporated charges us this fee on the transaction amount for converting foreign currency transactions made using an American Express into Australian dollars. We pass this amount on to our customers.
3. MasterCard International Incorporated charges us 0.8% of the transaction amount where a transaction is made using your MasterCard and the merchant or financial institution accepting the card is located outside of Australia. We pass this amount on to our customers.
4. MasterCard International Incorporated charges us 0.2% of the transaction amount for converting foreign currency transactions made using a MasterCard into Australian dollars. We pass this amount on to our customers.