Transaction and service fees.

Low Rate Mastercard.

Fees.

Fees on this page are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

5Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply.

Airpoints Mastercard.

Fees.

Fees are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

4Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply.

Airpoints Platinum Mastercard.

Fees.

Fees are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

6Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the Transaction and Service Fees Brochure for details. 

Airpoints World Mastercard.

Fees.

Fees are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

10 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the Transaction and Service Fees Brochure for details.

hotpoints Mastercard.

Fees.

Fees are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

5Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply.

hotpoints Platinum Mastercard.

Fees.

Fees are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

7Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply.

hotpoints World Mastercard.

Fees.

Fees are subject to change.
Some overseas banks may charge an extra fee for a cash advance.

8Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply.

Credit card interest rates.

Interest rates are subject to change without notice.

EFTPOS & debit cards - Fees.

The Westpac PayTag terms and conditions, as well as the terms and conditions relating to any cards or accounts that your Westpac PayTag links to, apply.

A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.

These fees do not apply if you use your Westpac card in an ATM belonging to a member of the Global ATM Alliance. The fee saving is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to Transaction and Service fees brochure for details.

Fee exemptions
The annual fee is waived for:

  • Customers 19 years and over (fee waived for the first year)
  • Customers under 19 years
  • Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
  • SuperGold Card holders (fee waived for the first year).

Westpac Prepaid Card.

The following table explains Westpac's prepaid card fees (excluding The Westpac Global Currency Card), where you can use the cards and the minimum and maximum amounts you can load onto each type of prepaid card. You can find the limits and fees for the Westpac Global Currency Card at westpaccurrencycard.co.nz.

Note: Prepaid cards are only available to personal customers.

Prepaid card Fees.

*The NZ$3 international transaction fee saving applies to use of Westpac Visa at ATMs belonging to any member of the Global ATM Alliance and is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees refer to the Transaction and Service Fees brochure for details.

Prepaid features.

Things you should know.

Hotpoints terms and conditions apply. Rewards and reward vouchers are subject to availability and may be withdrawn or substituted at any time. Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time. hotpoints® and hotpoints Pay® are a registered trademarks of Westpac Banking Corporation.  

Airpoints terms and conditions apply. You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints Dollars.

Credit Card Terms and Conditions

Eligibility criteria, lending criteria, terms and conditions apply. See:

Westpac Credit Card Conditions of Use

Transaction and Service Fees brochure

Interest rates and fees subject to change. If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance. 

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.