FAQs

How do I calculate what I need to pay each month for SmartPlan?

We’ll let you know what you need to pay each month in your monthly statement and in your payment options available to you in Online or Mobile Banking. There are three payment options:

• Pay your Monthly Payment to cover your SmartPlan Repayments for that month and the minimum payment due on your account; or
• Pay your Monthly Payment Balance to cover your SmartPlan Repayments due for that month and the full Main Account Balance. This allows you to maintain your interest free days on new purchases, if applicable; or
• Pay a different amount of your choice. To avoid a late payment fee, you must pay your account's minimum payment due.

SmartPlan is available now on eligible Westpac personal credit cards.