Credit card fees

All fees are regularly reviewed and subject to change without notice. Some other service fees may apply from time to time.

Tips on reducing your account costs icon

Apply online for a
new credit card



Select from the list below for the latest service fees for your credit card account.

> Low Interest MasterCard
> Westpac MasterCard
> Westpac Visa card
> Gold MasterCard
> Visa Gold
> Titanium MasterCard

> back to top

Low Interest MasterCard


Fee description		Fee

Application fee		none

Annual fee		$65 per year, paid in two 6-monthly instalments of $32.50

Cash advance in NZ
	using a Westpac ATM	$2
	at other bank ATMs	$2
	branch teller	$2

Cash advance overseas
	using Global Alliance ATMs *	no fee
	using other ATMs or at bank branches	NZ $8
Note: Some overseas banks may charge extra.

Joint/additional card		$15 per year

Late payment fee		$9

Card over limit Applies if you are over your approved credit limit on the final day of your monthly statement period.		$9

Replacement card		$15 per card

Courier delivery		Courier costs where applicable

Foreign currency fee**		2.50% of transaction amount

Service 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). *When you use your Westpac ATM/EFTPOS or DebitPlus Visa card to make an overseas transaction, you'll pay a foreign currency fee of 2.5% Service fees on this page are current as at 9 February 2010 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.

> back to top

Westpac MasterCard


Fee description		Fee

Annual prices		Annual fee	hotpoints
MasterCard		$29	$15
hotpoints is charged at the same time as the annual card fee.

Cash advance in NZ
	using a Westpac ATM	$2
	at other bank ATMs	$2
	branch teller	$2

Cash advance overseas
	using Global Alliance ATMs	no fee
	using other ATMs or at bank branches*	NZ $8.00
Note: Some overseas banks may charge extra.

Joint/additional card		$15 per year

Late payment		$9

Photocard charge on re-issue ***		$5.00 annual fee

Card over limit Applies if you are over your approved credit limit on the final day of your monthly statement period.		$9

Replacement card		$15 per card

Courier delivery		Courier costs where applicable

Foreign currency fee**		2.50% of transaction amount

Service 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). When you use your Westpac ATM/EFTPOS or DebitPlus Visa card to make an overseas transaction, you'll pay a foreign currency fee of 2.5% **only available as an ongoing service to cardholders who already have a photocard. This feature is not available to new cards. Service fees on this page are current as at 9 February 2010 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.

> back to top

Westpac Visa card



Fee description		Fee

Annual prices		Annual fee	hotpoints
Visa		$29	$15
hotpoints is charged at the same time as the annual card fee.

Cash advance in NZ
	using a Westpac ATM	$2
	at other bank ATMs	$2
	branch teller	$2

Cash advance overseas
	using Global Alliance ATMs	no fee
	using other ATMs or bank branches*	NZ $8.00
Note: Some overseas banks may charge extra.

Joint/additional card		$15 per year

Late payment		$9

Photocard charge on re-issue ***		$5.00 annual fee

Card over limit Applies if you are over your approved credit limit on the final day of your monthly statement period.		$9

Replacement card		$15 per card

Courier delivery		Courier costs where applicable

Foreign currency fee**		2.50% of transaction amount

Service 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). When you use your Westpac ATM/EFTPOS or DebitPlus Visa card to make an overseas transaction, you'll pay a foreign currency fee of 2.5% **only available as an ongoing service to cardholders who already have a photocard. This feature is not available to new cards. Service fees on this page are current as at 9 February 2010 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.

> back to top

Gold MasterCard



Fee description		Fee

Annual prices		Annual fee	hotpoints
Gold MasterCard		$70	$30
hotpoints is charged at the same time as the annual card fee.

Cash advance in NZ
	using a Westpac ATM	$2
	at other bank ATMs	$2
	branch teller	$2

Cash advance overseas
	using Global Alliance ATMs	no fee
	using other ATMs or bank branches*	NZ $8.00
Note: Some overseas banks may charge extra.

Joint/additional card		$15 per year

Late payment		$9

Photocard charge on re-issue ***		$5.00 annual fee

Card over limit Applies if you are over your approved credit limit on the final day of your monthly statement period.		$9

Replacement card		$15 per card

Courier delivery		Courier costs where applicable

Foreign currency fee**		2.50% of transaction amount

Service 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). When you use your Westpac ATM/EFTPOS or DebitPlus Visa card to make an overseas transaction, you'll pay a foreign currency fee of 2.5% **only available as an ongoing service to cardholders who already have a photocard. This feature is not available to new cards. Service fees on this page are current as at 9 February 2010 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.

> back to top

Visa Gold



Fee description		Fee

Annual prices		Annual fee	hotpoints
Visa Gold		$70	$30
hotpoints is charged at the same time as the annual card fee.

Cash advance in NZ
	using a Westpac ATM	$2
	at other bank ATMs	$2
	branch teller	$2

Cash advance overseas
	using Global Alliance ATMs	no fee
	using other ATMs or bank branches*	NZ $8.00
Note: Some overseas banks may charge extra.

Joint/additional card		$15 per year

Late payment		$9

Photocard charge on re-issue ***		$5.00 annual fee

Card over limit Applies if you are over your approved credit limit on the final day of your monthly statement period.		$9

Replacement card		$15 per card

Courier delivery		Courier costs where applicable

Foreign currency fee**		2.50% of transaction amount

Service 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). When you use your Westpac ATM/EFTPOS or DebitPlus Visa card to make an overseas transaction, you'll pay a foreign currency fee of 2.5% **only available as an ongoing service to cardholders who already have a photocard. This feature is not available to new cards. Service fees on this page are current as at 9 February 2010 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.

> back to top

Titanium MasterCard


Fee description		Fee

Titanium MasterCard annual fee (including hotpoints membership) Make $30,000 worth of purchases on your Titanium MasterCard in any six month period between your six monthly account charge due dates and we will waive the next six monthly account and hotpoints charge		$290 per year; paid in two 6-monthly instalments of $145

Cash advance in NZ
	using a Westpac ATM	$2
	at other bank ATMs	$2
	branch teller	$2

Cash advance overseas
	using Global Alliance ATMs	no fee
	using other ATMs or at bank branches * Note: Some overseas banks may charge extra.	NZ $8

Joint/additional cards and SideCards Fee not charged where SideCard is in primary cardholders name.		$15 a year; paid in two 6-monthly instalments of $7.50

Late payment		$9

Card over limit Applies if you are over your approved credit limit on the final day of your monthly statement period.		$9

Replacement card		$15

Courier delivery		Courier costs where applicable

Foreign currency fee**		2.50% of transaction amount

Service 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). *When you use your Westpac ATM/EFTPOS or DebitPlus Visa card to make an overseas transaction, you'll pay a foreign currency fee of 2.5% Service fees on this page are current as a 9 February 2010 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.


Contact us for more info

> email
> Westpac branches
> phone 0800 888 111 (24 hours, 7 days)



> back to top

The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.