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Be the boss of your credit card.
Whether you’re new to credit cards or just want to stay sharp, here are some easy tips to keep your card working for you.
Make your credit card work for you.
1. Know what your card costs – and what it gives you
Different cards suit different spending habits. Some offer rewards, others keep it simple with low rates.
Things to check:
- What's your interest rate?
- When is your payment due?
- Are you using the benefits that come with your card?
Explore our Westpac credit card options if your current card no longer suits you or compare Westpac credit cards.
2. Set up alerts or auto-pay to stay on top of repayments
Missing a payment can mean late fees and added interest and it could take you longer to pay off your balance. Make life easier by setting up:
- Alerts in your digital banking or calendar reminders to help avoid missed payments and late fees.
- Automatic payments or direct debits to make sure you never miss a payment.
If you want to reduce interest and pay off your card faster, paying more than the minimum can make a big difference. If you pay off your balance in full you can avoid paying interest.
3. Keep your credit limit in check
Higher limits can be tempting. Ask yourself:
- Do I really need this much?
- Will it help or hurt my financial goals?
4. Think ahead before you spend
Impulse purchases can add up. Before swiping or tapping, give yourself a moment to ask: “Will I still want or need this in 24 hours?”
Sometimes just slowing down your “buy now” reflex can help avoid debt later.
5. Consolidate or transfer if you’re feeling stuck
Carrying a balance month-to-month? You might be able to save on interest by:
- Transferring your balance to a card with a lower rate
Learn how a balance transfer could work for you - Rolling debts into a personal loan with a set end date
Let your card work for you – not the other way around.
Handy tools.
Track your spending
CashNav lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.
Alerts
Turn on a range of email or TXT alerts about your credit card, payments and more - so you always know what’s going on with your money.
Set up your payments
To make sure you never miss a payment, set up a direct debit to automatically make regular payments to your Westpac credit card.
Things you should know.
This page is for general information purposes only and does not take your financial situation or goals into account.
Credit Cards terms and conditions, eligibility criteria and lending criteria apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.
Westpac One App Terms and Conditions which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use apply.
CashNav Terms and Conditions apply.
Balance Transfer Terms and Conditions and lending criteria apply.