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Help with choosing your hotpoints® card

Apply to transfer your balance to any Westpac credit card and if successful, you could pay 5.95% p.a. for the life of the balance transferred. Find out more.

Get the big picture on our range of hotpoints credit cards. Whether you’re after a rewards card with a low annual account fee or something more exclusive, you’ll find one that works for you.

Low Rate MasterCard®

hotpoints MasterCard®

Platinum MasterCard®

World MasterCard®

Our lowest interest credit card can help you keep costs down on borrowing.
Looking for our lowest fee credit card? You’ve found it. Best of all it comes with hotpoints rewards.
Reward your everyday spend. With higher hotpoints earning power and benefits like overseas travel insurance*.
Exclusive privileges and a high hotpoints earn rate.
Find out more Find out more Find out more Find out more

Benefits

  • At only 13.45% p.a. it’s our lowest credit card interest rate on purchases
  • Flexibility each month to either pay off your card in full, make any payment above the minimum, or meet the minimum payment of either 2% of the balance owing each month or $5 – whichever is greater
  • This card has our lowest account fee – pay only $44 per year
  • You can start earning hotpoints on every dollar you spend then redeem points for great rewards
  • Earn more hotpoints on every dollar you spend for greater rewards
  • A Home Assist service on call 24 hours a day
  • With purchase protection and extended warranty insurances*, our Platinum card provides peace of mind when shopping
  • Earn 3 hotpoints per dollar spent
  • Airport lounge access with Priority Pass**
  • Access to hotel upgrades***
  • Enjoy an On Call Concierge service
  • Purchase protection and extended warranty insurances

hotpoints® rewards

Nil

1 hotpoint for every $1 spent

2 hotpoints for every $1 spent

3 hotpoints for every $1 spent

Overseas Travel Insurance

Nil

Nil

Cover for up to 35 days per round trip. Minimum spend applies.*

Complimentary 120 days travel insurance per round trip when you use your World MasterCard to purchase your travel.^

Annual Account fee

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$65 per year

$44 per year

$125 per year

$390 

Overseas cash advance/foreign currency fees

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Global Alliance ATMs
$0 

Non Global Alliance ATMs
NZ$8 per transaction

Foreign currency fee
2.50% of NZD converted value of foreign currency transaction amount

Global Alliance ATMs
$0 

Non Global Alliance ATMs
NZ$8 per transaction

Foreign currency fee
2.50% of NZD converted value of foreign currency transaction amount

Global Alliance ATMs
$0 

Non Global Alliance ATMs
NZ$8 per transaction

Foreign currency fee
2.50% of NZD converted value of foreign currency transaction amount

Global Alliance ATMs
$0 

Non Global Alliance ATMs
NZ$8 per transaction

Foreign currency fee
2.50% of NZD converted value of foreign currency transaction amount

Interest rates

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Purchases
13.45% p.a.

Cash advance
22.95% p.a.

Balance transfer
5.95% p.a. for the life of the balance transferred*.

Purchases
20.95% p.a.

Cash advance
22.95% p.a.

Balance transfer
5.95% p.a. for the life of the balance transferred*.

Purchases
20.95% p.a.

Cash advance
22.95% p.a.

Balance transfer
5.95% p.a. for the life of the balance transferred*.

Purchases
16.95% p.a.

Cash advance
22.95% p.a.

Balance transfer
5.95% p.a. for the life of the balance transferred*.

Interest free days on purchases

Up to 55 days

Up to 55 days

Up to 55 days

Up to 44 days

Extended warranty/Purchase protection insurance

Nil

Nil

Your purchases could be covered for 90 consecutive days and you could extend a NZ manufacturer’s warranty for your purchases for up to 12 months

Your purchases could be covered for 90 consecutive days and you could extend a NZ manufacturer’s warranty for your purchases for up to 12 months

       
Find out more Find out more Find out more Find out more

Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. Applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. Balances cannot be transferred to a MasterCard BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints.

1Eligible purchases exclude cash advances, charges, interest, cash substitutes, business expenditure (excluding transactions made on a BusinessPLUS MasterCard), balances transfers, transactions on your nominated account(s) linked to your credit card any transaction that is reversed, refunded or charged back. 

2Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Please see the Platinum Card Insurance policy document for details. Any payment is subject to your claim being accepted. The availability at of any insurance cover is subject to the acceptance and approval of a complete application. Westpac Platinum Overseas Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance New Zealand Limited (“AIG”). Westpac does not guarantee the obligations of, or any products issued by AIG. Westpac will receive commission payments as a result of the arrangement of insurance products. 

4You will be personally responsible for all credit extended by Westpac under a BusinessPLUS masterCard, irrespective of whether a business name appears on the card.

5Hotel Upgrades: Upgrade to Gold Status will take place up to four weeks after the first eligible stay is processed in your Starwood Preferred Guest® account, and the membership list will be mailed out in four to six weeks. For full list of terms and conditions governing the programme, visit www.SPG.com/WorldMasterCardGold. Car Rental Upgrades: Hertz terms and conditions apply. For details, visit hertz.co.nz/rentacar/member/enrollment.

Car upgrades: Hertz terms and conditions apply. For details visit herts.co.nz/rentacar/members/enrolement.

6Use of Priority Pass card and access to Priority Pass airport lounges are subject to the priority Pass Terms and Conditions. Airline, airpoint and other travel industry employees or contractors may not be eligible for access.

7Any costs incurred by using the concierge and Home Assist Services are at the cardholders expense. 

Westpac accepts no responsibility for the availability or content of third party websites. Westpac's current credit card lending criteria apply to all applicaiton and transfers. Westpac credit card Conditions of Use for the applicable card will apply. Fees and rates shown are current as at 5 December 2016 but are subject to change. other charges may apply to some of the transactions and services mentioned - Find out more on our Credit Card fees pages. Hotpoints terms and conditions apply. Overseas cash advances and foreign currency fees may apply. MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.