Our credit cards

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 Interest MasterCard®	hotpoints Credit Card Account	hotpoints Gold Credit Card Account	Ultimate Credit Card Account
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*, it’s pure gold.	Exclusive privileges and the highest hotpoints earn rate – the Ultimate Credit Card Account is for those that demand the best.
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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 With purchase protection and extended warranty insurances*, our Gold card provides peace of mind when shopping	A concierge and Home Assist service on call 24 hours a day Our highest hotpoints earn rate – earn up to 2 hotpoints per dollar spent Exclusive preferential interest rate and spend-based fee waiver
hotpoints® rewards
Nil	MasterCard or Visa: 1 hotpoint for every $1 spent hotpoints American Express® Card: 1.5 hotpoints for every $1 spent	Gold MasterCard or Visa: 1.25 hotpoints for every $1 spent Gold American Express® Card: 1.75 hotpoints for every $1 spent	Titanium MasterCard: 1.5 hotpoints for every $1 spent hotpoints Premium American Express® Card: 2 hotpoints for every $1 spent
Minimum credit limit
$500	$500	$5,000	$15,000
Annual Account fee Expand/Collapse
$65 per year	$44 per year	$100 per year	$290 per year
Paid in two 6-monthly instalments of $32.50.			Paid in two 6-monthly instalments of $145.
Overseas cash advance/foreign currency fees Expand/Collapse
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
Global Alliance ATMs Transaction fees do not apply when using ATMs within the Global Alliance Group in the respective country shown. Institutions participating in the global ATM alliance include Deutsche Bank 24 (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). Non Global Alliance ATMs Note: An ATM service fee may be charged by the ATM provider. Foreign currency fee When you use your Westpac credit card to make an overseas transaction, you'll pay a foreign currency fee. This is currently 2.5% of the New Zealand dollar converted value of the foreign currency transaction amount. A foreign currency conversion fee is applied to purchases, cash withdrawals and any fees and charges in a foreign currency incurred by you from the overseas merchant or merchant bank for that transaction.	Global Alliance ATMs Transaction fees do not apply when using ATMs within the Global Alliance Group in the respective country shown. Institutions participating in the global ATM alliance include Deutsche Bank 24 (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). Non Global Alliance ATMs Note: An ATM service fee may be charged by the ATM provider. Foreign currency fee When you use your Westpac credit card to make an overseas transaction, you'll pay a foreign currency fee. This is currently 2.5% of the New Zealand dollar converted value of the foreign currency transaction amount. A foreign currency conversion fee is applied to purchases, cash withdrawals and any fees and charges in a foreign currency incurred by you from the overseas merchant or merchant bank for that transaction.	Global Alliance ATMs Transaction fees do not apply when using ATMs within the Global Alliance Group in the respective country shown. Institutions participating in the global ATM alliance include Deutsche Bank 24 (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). Non Global Alliance ATMs Note: An ATM service fee may be charged by the ATM provider. Foreign currency fee When you use your Westpac credit card to make an overseas transaction, you'll pay a foreign currency fee. This is currently 2.5% of the New Zealand dollar converted value of the foreign currency transaction amount. A foreign currency conversion fee is applied to purchases, cash withdrawals and any fees and charges in a foreign currency incurred by you from the overseas merchant or merchant bank for that transaction.	Global Alliance ATMs Transaction fees do not apply when using ATMs within the Global Alliance Group in the respective country shown. Institutions participating in the global ATM alliance include Deutsche Bank 24 (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). Non Global Alliance ATMs Note: An ATM service fee may be charged by the ATM provider. Foreign currency fee When you use your Westpac credit card to make an overseas transaction, you'll pay a foreign currency fee. This is currently 2.5% of the New Zealand dollar converted value of the foreign currency transaction amount. A foreign currency conversion fee is applied to purchases, cash withdrawals and any fees and charges in a foreign currency incurred by you from the overseas merchant or merchant bank for that transaction.
Interest rates Expand/Collapse
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 15.65% p.a. Cash advance 22.45% p.a. Balance transfer 5.95% p.a.
Balance transfer Effective until the transferred balance is paid off	Balance transfer Effective until the transferred balance is paid off	Balance transfer Effective until the transferred balance is paid off	Balance transfer Effective until the transferred balance is paid off
Interest free days on purchases
Up to 55 days	Up to 55 days	Up to 55 days	Up to 55 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
Overseas Travel insurance
Nil	Nil	Cover for up to 35 days per round trip. Minimum spend applies.	Cover for up to 120 days per round trip. Minimum spend applies.
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*Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Please see the Gold Card Insurance policy document. Westpac Gold 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 19 May 2013 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. American Express is a trademark of American Express. This card is issued by Westpac New Zealand Limited pursuant to a license from American Express. Westpac accepts no responsibility for the availability or content of third party websites.

How can we help?

Our credit cards

Low Interest MasterCard®

hotpoints Credit Card Account

hotpoints Gold Credit Card Account

Ultimate Credit Card Account

Benefits

hotpoints® rewards

Minimum credit limit

Annual Account fee

Overseas cash advance/foreign currency fees

Interest rates

Interest free days on purchases

Extended warranty/Purchase protection insurance

Overseas Travel insurance