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Westpac’s best credit card for everyday use, earning more credit card rewards and if you travel overseas. |
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Other ways to apply
Credit card info
Contact us
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Credit card enquiries |
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Email |
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Westpac branches |
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phone 0800 888 111
(24 hours,
7 days a week) |
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from overseas call
+64 9 912 8000
(international toll charges apply) |
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access to a higher credit limit |
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up to 55 days interest free credit on purchases |
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choice of either a MasterCard® card or Visa card |
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enrol in hotpoints® and earn credit card rewards |
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up to 35 days travel insurance* per round trip |
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access your credit card and other Westpac accounts at ATMs and EFTPOS outlets** |
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manage your credit card account online anytime with Westpac Online Banking |
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flexible credit card payment options – just meet the minimum payment amount each month, or pay your balance in full |
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Purchase Protection and Extended Warranty Insurance cover** |
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your MasterCard card or Visa card gives you worldwide acceptance at over 28 million locations |
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joint/additional card available from only $15 per year. |
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| *Terms, conditions, exclusions and eligibility criteria apply. Refer to the Gold Card insurance policy document |
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| **This feature is not available on the Westpac hotpoints American Express® Card. |
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Earn hotpoints for every dollar you spend on your credit card - here and overseas, when you join the hotpoints programme. |
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| You can redeem your hotpoints for |
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merchandise |
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retail vouchers |
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travel vouchers |
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Westpac KiwiSaver Scheme contributions |
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charity donations. |
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Hotpoints Holiday Credits - travel now on your card and use hotpoints to help you pay for it later |
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When you enrol, you’ll automatically receive a Westpac hotpoints Gold American Express Card at no extra cost, to fast-track your hotpoints rewards. |
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| Your Westpac hotpoints American Express Card |
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earns 1.75 hotpoints per $1 spend on purchases - 40% more hotpoints than your chosen MasterCard or Visa card - so you can fast-track your rewards |
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is linked to your Gold MasterCard card or Visa Gold card account so you still have one credit limit, one hotpoints balance, a combined monthly statement and the same current interest rates. |
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| Your Westpac Gold MasterCard or Visa card |
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earns 1.25 hotpoints per $1 spend on purchases |
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gives you access to worldwide acceptance at over 28 million locations |
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fast-track your hotpoints rewards with a Westpac hotpoints Gold American Express Card |
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find out more about hotpoints |
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