Westpac’s current credit card lending criteria will apply for credit cards. for the applicable card will apply. Fees and rates shown are current as at 20 February 2015 but are subject to change. Other charges may apply to some of the transactions and services mentioned –Find out more on our Overseas cash advances and foreign currency fees may apply. Hotpoints terms and conditions apply. hotpoints® is a registered trademark of Westpac Banking Corporation. MasterCard and the MasterCard brand mark are registered trade marks of MasterCard International Incorporated.