Debit Mastercard
Why Debit Mastercard?
- Shop online or in person worldwide using money from your bank account
- Use contactless payments technology to shop safely with ease and convenience
- Set up Apple Pay and Google PayTM to pay using your compatible mobile device 1
- Link up to 2 eligible Westpac bank accounts to your debit card
- Use your digital card in the Westpac App while waiting for your physical card to arrive. The CVC refreshes every 24 hours for extra security.
ATM network at home and overseas
No ATM withdrawal fee at any major bank ATM in Australia and around the world via the Global ATM Alliance and partner ATMs (other fees may apply)2
Fraud Money Back Guarantee
Shop securely with your debit card. We’ve got your back with 24/7 monitoring for fraudulent transactions and our Fraud Money Back Guarantee4
Card on hold
Can’t find your debit card? Don’t worry – with Card on Hold, in seconds you can temporarily lock it while you search5
Aged 18-29?
You could earn up to 5.20% p.a. variable interest on your first $30,000 savings with a Life Savings and Choice bank account.
Added security
With Westpac’s Added Online Security Service, from time to time you will need to enter a unique ‘One Time Password’. You will receive your unique password via SMS or email6, when purchasing online with participating retailers who have been verified by Mastercard®.
How to get a debit card
Choose the account below that matches your circumstances. A Westpac Debit Mastercard®can be linked to up to 2 of these transaction accounts:
Eligibility criteria apply to these accounts.
Under 18? Here's how you can manage your money with a debit card
If you’re at least 8 years old, you can link a Debit Mastercard®2 to your Westpac Choice Youth account, giving a kick-start to your money skills with kid-friendly features that will help keep your money safe and secure.
The debit card is automatically linked when the account is opened, except for children under 14. For children 8-13, a parent or guardian must order their card separately.
What’s the difference between debit cards and credit cards?
Both debit cards and credit cards can be used for instore and online purchases and setting up direct debits, but the way they work is different. When you use a debit card, you’re spending money that’s in your linked bank account.
Are debit cards free?
There’s no annual card fee for your Debit Mastercard, however account keeping fees may apply. Westpac does not charge fees for domestic purchases and withdrawals at participating ATMs. Cash withdrawals are free at ATMs around the world via the Global ATM Alliance and partner ATMs, though foreign transactions fees will apply.
Priceless Sydney
Introducing Priceless Sydney, a unique collection of experiences curated exclusively for Mastercard cardholders. From dining, shopping and sporting opportunities to exciting hotel and entertainment offers, the best of Sydney is waiting at www.priceless.com.
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Things you should know
Deposit Accounts for Personal & SMSF customers Terms and Conditions (PDF 645KB)
Westpac Debit Mastercard® Terms and Conditions (PDF 210KB)
Online Banking Terms and Conditions (PDF 620KB)
Find out what information you need to provide to become a customer (PDF 657KB)
Read the terms and conditions at westpac.com.au before making a decision and consider whether this product is appropriate for you.
1. Apple Pay and Google Pay: Read the Apple Pay Terms and Conditions (PDF 42KB) or the Google Pay Terms and Conditions (PDF 125KB) before making a decision and consider if it is right for you. To use Apple Pay or Google Pay you will need an eligible card, and a compatible device with a supported operating system.
4. Westpac Fraud Money Back Guarantee: ensures that customers will be reimbursed for any unauthorised transactions, provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the Westpac Debit Mastercard Terms and Conditions for full details, including when a customer will be liable.
5. Card on hold: Available on personal credit and Mastercard® debit cards only. Cards to which a temporary lock can be applied will be listed when you sign into Mobile Banking or Online Banking and visit Lock a card temporarily under Cards services.
6. If you don't provide us with a correct mobile number or email address, you may not be able to proceed with your online transaction at participating online retailers.
Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Pay and Google Play are trademarks of Google Inc. World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.