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| Card type available |
MasterCard® |
Westpac hotpoints American Express® Card and MasterCard® or Visa |
Westpac hotpoints Gold American Express® Card and MasterCard® or Visa |
Westpac hotpoints Premium American Express® Card and MasterCard® |
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hotpoints reward programme
(optional) |
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| hotpoints annual fee |
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$15 a year |
$30 a year |
$50 a year (Included in annual card fee) |
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| Interest free days on purchases |
Up to 55 |
Up to 55 |
Up to 55 |
Up to 55 |
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Interest rate
(purchases and other fees/charges) |
12.95% p.a. |
19.95% p.a. |
19.95% p.a. |
15.65% p.a. |
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Interest rate
(cash advances) |
22.45% p.a. |
22.45% p.a. |
22.45% p.a. |
22.45% p.a. |
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| Annual card fee 1 |
$32.50 paid six-monthly |
$29 |
$70 |
$145 paid six-monthly |
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| Minimum credit limit |
$500 |
$500 |
$5,000 3 |
$15,000 |
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| Joint/additional card available 2 |
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Travel insurance
(conditions apply) |
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| Concierge and Home Assist Service |
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| Extended warranty and purchase protection insurances |
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1 Annual fee excludes annual hotpoints membership, except for the Titanium MasterCard.
2 Fees apply for each joint or additional card – refer to our Credit card fees page for details.
3 Applies to Gold MasterCard card only. Visa Gold card minimum credit limit is $7,500. |
