Card on file

What does ‘saving’ your card details mean?

If you keep your card details on file with a service or business, it just means you give that provider permission to keep your card details saved. That means you don’t have to re-enter your details every time you make a purchase with them. Handy, right?

Why save your card details?

Convenient

No need to find your physical card or repeatedly enter in your card details.

Worry-free

Means you can put recurring bills on autopilot, so you don’t miss a payment.

Rewarding

Access special offers (all eligible cards) or accelerate your rewards points (credit cards only)⁶.

Where can I save my card details?

Having all your payments made in the same way will give you a better view of outgoing finances, helping you budget. Here are a few suggestions of places you can keep your card details saved.

Recurring bills

Phone, electricity, insurance, internet, charity donations.

Subscription services

Like online content providers.

Services you use frequently

Food delivery services, transport cards, tolls.

See more types of recurring payments

You’ll stay protected from fraud

Keeping your card details saved doesn’t mean you’re unprotected. You’ll remain covered by Westpac Protect^™ 24/7 and our Fraud Money Back Guarantee*. You should, however, make sure you only provide your card details to reputable merchants and always contact us immediately if you suspect any fraudulent activity.

Learn more about how you’re protected

Frequently asked questions

Will I need to update my card on file details with a merchant if my card is replaced (for example, if it is lost or stolen)?

Yes, as your replacement card will have different card details you will need to advise the merchant.

Will a card on file with a merchant be cancelled if my credit or debit card is closed or cancelled?

How do I remove my card on file with a merchant?

Can I find out which merchants my card is saved with in Online Banking?

The “My Merchants” page in your Online Banking lists merchants your card may be connected to, however these connections can originate from a variety of sources:

- The merchant may have your plastic card credentials for processing payments. These merchants have been compiled using transaction history such as monthly subscriptions, recurring or one-off payments and the information provided by merchants.

- The merchant may have a unique identifiable code called a 'token' in place of your plastic card credentials for processing payments.

In some instances, if you have saved your card with a merchant, it may not be listed in My Merchants, for example where you have saved your card but not used it with that merchant as yet.

If you would like further information about your relationship with a merchant, you can view historical transactions in the Westpac App by tapping on the chevron next to the corresponding merchant or by contacting the merchant directly.

Things you should know

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 141KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 141KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

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