FAQs

What amounts are eligible for SmartPlan (“Eligible Amounts”)?

Large individual purchase amounts

Any individual purchase of $200 or more made in the last 30 days and not covered in your last payment. To ensure that your credit card balance does not exceed the credit limit, please consider the amount of the establishment fee indicated when you set up a plan.

You can view your eligible purchases in Online or Mobile Banking via the transaction listings on the Account Activity page or Step 1 of the 3-step setup process. 

Balance amounts

Any outstanding purchase, cash advance or Promotion Plan (e.g. Balance Transfer) balance of $200 or more. Note that Promotion Plans must have a remaining term of at least 3 months, but where more than 36 months are remaining on a Promotion Plan, any SmartPlan will be capped at 36 months.

You can view your eligible balances in Online or Mobile Banking.

SmartPlan is available now on all Westpac personal credit cards.