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Using your card while you're overseas.
You can use your Westpac credit or debit card anywhere around the world that Mastercard® is accepted, at ATMs and directly with retailers, either online or in person.
Tips for using your card overseas.
- No PIN? Make sure you get one loaded on your card before you go for added security.
- Mobile Wallet gives you another way to pay. To set up Apple Pay™ or Google Pay™ in your Westpac One® app go to 'Manage my Cards', or open the Apple Wallet™ or Google Wallet™ app on your phone and follow the simple steps. You can use Apple Pay™ and Google Pay™ anywhere contactless payments are accepted.
- Selected Global Alliance ATMs may not charge the card cash withdrawal fee. Find out more about Global Alliance ATMs.
- Paying in the local currency where possible can minimise foreign exchange costs. That way the currency conversion is handled by the credit card network, which can often give you a better exchange rate than if you chose to pay in New Zealand dollars1 at the time.
- International cards will not be accepted at unattended card payment terminals in the US, for example some petrol stations. If you want to pay using your card, you’ll need to go to a petrol station where a cashier can take a card payment.
- If your card is declined, ask the merchant to call the local Mastercard office, or call Westpac on +64 9 914 8026 to advise us of the incident and provide merchant location details.
Helpful tools.
Smart ways to pay
Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay2 or Google Pay™3.
CardGuard®
24/7 protection from fraudulent activity4 . So you can use your card anywhere, anytime and leave your worries behind.
Alerts
Help avoid fees, feel more secure and keep a track of your balance by enabling a range of email or TXT alerts within your credit card account.
Stolen or lost card while overseas.
Has your credit card got overseas travel insurance?
The credit cards below include complimentary overseas travel insurance cover5. You can find more information about the Overseas Travel Insurance policy wording, benefits, exclusions and conditions under the following policies:
Where cards are not accepted.
Here’s a list of the countries where Westpac cards won't be accepted6:
- Cuba
- Iran
- North Korea
- Russia
- Syria
- Crimea region of Ukraine
- Donetsk region of Ukraine
- Luhansk region of Ukraine.
Things you should know.
1 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency. For personal credit or debit cards, the fee is 1.95% of the transaction amount. For business credit cards, the fee is 2.50% of the transaction amount. Transaction fees are subject to change. Refer to the Transaction and Service fees brochure for details
2 Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay, see Westpac Apple Pay Terms and Conditions for more information.
3 Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay, see Westpac Google Pay Terms and Conditions for more information.
4 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.
5 Terms, conditions, exclusions and eligibility criteria apply (see applicable policy document), including a minimum spend for certain travel regions. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.
6 This list was last updated on 29 July 2024 and is subject to change. This list of prohibited countries can change at any time. For more information, refer to the Conditions of Use.
Eligibility criteria, lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. Rates, transaction and services fees apply.
Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay, see Westpac Apple Pay Terms and Conditions for more information.
Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay, see Westpac Google Pay Terms and Conditions for more information.
Conditions of Use for the applicable card apply. Overseas cash advances and foreign currency fees may apply. For full details refer to the Transaction and Service Fees brochure. If you only make the minimum repayment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Apple Pay, Apple Watch, Face ID, iPad, iPhone, MacBook Pro, and Touch ID are is a trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay and Google Wallet are trademarks of Google LLC.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.