How to make payments to your credit card.

Ways to make a payment.

1. Westpac One® online banking

Make payments to your credit card easily in Westpac One. Simply log in to access your credit card account via the Accounts screen, click on 'Pay/Transfer, to here' and follow the instructions.

Here's a step by step guide on making payments in Westpac One. 

Log in to Westpac One

If you haven't registered for Westpac One, call our dedicated Westpac One team on 0800 400 600 weekdays between 7am and 8pm and 8am to 5pm on weekends and public holidays  and press option '7'.

2. Set up a direct debit 

Fill out a direct debit form, and we will automatically take the amount you choose from your bank account to pay your credit card account each month. Direct debit payments will take three business days to clear.

Download the form

3. Set up a payment from your other bank

You can set up a regular automatic payment or make a one-off bill payment to your credit card from a Westpac account or any New Zealand bank account.

To set up an automatic payment or a bill payment, you'll need:

• Our transfer account name: Westpac Mastercard® Payments
• The Card Payments account number: 03 0990 0998907 82
• The 16 digit credit card number
• The cardholder's surname and initials.

Details to appear on payees bank statement:

• Particulars: First eight digits of the card number e.g. 5436 7800
• Code: Last eight digits of the card number e.g. 1234 5678
• Reference: Cardholder’s surname and initials e.g. Bloggs J O.

4. Pay through phone banking 

Call 0800 172 172 at any time, and you can transfer a payment to your credit card account from another Westpac account.

More on automated phone banking

5. Pay at a Westpac branch

Make a payment over the counter at any Westpac branch in New Zealand.

Find a branch

6. Make a payment at a Westpac ATM

Deposit to your credit card account, or transfer funds from another Westpac bank account to your credit card account.

Find an ATM

How much do I need to pay?

Each month you'll receive a statement with your credit card account balance, as well as the minimum payment due - this is either $5 or 2% of your closing balance, whichever is greater of the two¹. You can pay the minimum balance, the full balance or anywhere in between.

Check your balance in online banking

Airpoints Business Mastercard and BusinessPLUS Mastercard:

If you have an Airpoints Business Mastercard or a BusinessPLUS Mastercard, as a business credit card, the balance of the card should ultimately be settled by the business. This means that any repayments should either be settled from an account of the business or from your personal bank account (as the cardholder) and then reimbursed by the business.

Things you should know.

¹ If you make only a minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.

Eligibility criteria, lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.

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