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Our credit cards

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

Get the big picture on Westpac’s credit cards. Our full range is here, so whether you want a low interest rate, rewards or something more – 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 12.95% 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

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
no international transaction fee 

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
no international transaction fee 

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
no international transaction fee 

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
no international transaction fee 

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
12.95% p.a.

Cash advance
22.45% p.a.

Balance transfer
5.95% p.a.

Purchases
19.95% p.a.

Cash advance
22.45% p.a.

Balance transfer
5.95% p.a.

Purchases
19.95% p.a.

Cash advance
22.45% p.a.

Balance transfer
5.95% p.a.

Purchases
15.95% p.a.

Cash advance
22.45% p.a.

Balance transfer
5.95% p.a.

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

*Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Please see the Platinum Card Insurance policy document. 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 accepts no responsibility for the availability or content of third party websites. Westpac’s current credit card lending criteria apply to all applications and transfers. Credit Card Conditions of Use will apply. Fees and rates shown are current as at 21 November 2014 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® is a registered trademark of Westpac Banking Corporation. 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.