With effect from 1 March 2017 we are making changes to Westpac Credit Card Overseas Travel Insurance policies, which includes making them dementia friendly. Find out more about the policy change here.
Westpac’s credit card lending criteria applies to all applications and transfers. Westpac’s Credit Card Conditions of Use will 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 Use of your Priority Pass card and access to Priority Pass airport lounges are subject to the Priority Pass Terms and Conditions. Airline, airport and other travel industry employees or contractors may not be eligible for access.
3 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 a full list of the terms and conditions governing the programme, visit www.SPG.com/WorldCardGold.
4 Hertz terms and conditions apply. For details, visit www.hertz.co.nz/rentacar/member/enrollment
5 World Mastercard Privileged Access Program Terms and Conditions apply. See worldcard.mastercard.com for details
6Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Please see the World Mastercard Insurance policy document for details. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Westpac World Mastercard Overseas Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance Limited (AIG). Westpac does not guarantee the obligations of, or any products issued by AIG.
7Any costs incurred by using the Concierge and Home Assist Services are at the card holder’s expense.
8 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.
9 The NZ$3 international transaction fee saving applies if you use your Westpac Mastercard at an ATM belonging to a member of the Global ATM Alliance, and is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to the Transaction and Service Fees brochure for details.
10 If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Any service benefits associated with the use of your card which are provided by a third party supplier may be withdrawn by Westpac at any time. Westpac will not be responsible for the quality or suitability of any goods or services provided.
This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.
World Mastercard 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 the Mastercard 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.