Westpac’s current credit card lending criteria applies to credit cards. Westpac’s credit card Conditions of Use for the applicable card and Debit MasterCard Conditions of Use apply. Westpac MasterPass terms and conditions apply. The Westpac PayTag terms and conditions, as the terms and conditions relating to any cards or accounts that your Westpac PayTag links to, apply. Fees and rates shown are current as at 29 January 2015 but are subject to change. MasterCard and the MasterCard brand mark are registered trade marks of MasterCard International Incorporated. Westpac PayTag is a registered trade mark of Westpac Banking Corporation.