Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use will apply. Charges may apply to some of the transactions and services mentioned - see our Credit card fees page for more details. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express® is a registered trademark of American Express. This card is issued by Westpac New Zealand Limited pursuant to a license from American Express.