Westpac's credit card lending criteria apply to all applications and transfers. Westpac's Credit Card Conditions of Use for the applicable credit card apply.
^ Interest free days do not apply when you have taken up one of our balance transfer offers and have not paid off the balance transferred in full during the statement period.
1 Eligible purchases exclude cash advances, charges, interest, cash substitutes, business expenditure (excluding transactions made on a BusinessPLUS Mastercard), balance transfers, transactions on your nominated account(s) linked to your credit card, any transaction that is reversed, refunded or charged back.
2 Rate will apply to balance(s) transferred until that balance(s) is paid off. All applications are subject to Westpac approval.Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will be applied against balance transfers (until paid in full) before cash advances and new purchases, but after charges and interest that have accrued. Interest rates and fees are current as at 16 November 2016 and are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use. Balances cannot be transferred to a Mastercard BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints.
3 The NZ$3 international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees – refer to the Transaction and Service fees brochure details. Global ATM Alliance banks and their details are subject to change.
4 If you make only a minimum payment each statement period, you will pay more interest and it will take you longer to pay off the unpaid balance.
This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.
Westpac’s Credit Card Conditions of Use and Balance Transfer Terms and Conditions will apply. Hotpoints terms and conditions apply. Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time. Westpac is not responsible for the quality or suitability of any such goods or services. hotpoints® is a registered trade mark of Westpac Banking Corporation. Mastercard and its brand mark are registered trade marks of Mastercard International Incorporated. Westpac New Zealand Limited.
BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme. Investments made in the Westpac KiwiSaver Scheme (Scheme) do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme’s performance, returns or repayment of capital. A copy of the investment statement for any securities for which an investment statement is required is available from any Westpac branch in New Zealand. Westpac New Zealand Limited