Koru Business Mastercard®.

¹ You will be personally responsible for all credit extended by Westpac under a BusinessPLUS Mastercard® and Koru Business Mastercard, irrespective of whether a business name appears on the card.  

² The following purchases and transactions do not earn Airpoints or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, tax payments, payments for cash equivalents (e.g. travellers' cheques, money orders, gambling chips and gambling transactions (including online gambling) and business-related purchases made with a Westpac Koru credit card other than a Westpac Koru Business Mastercard®. Status Points earned on applicable credit cards only. 

³ Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances, balance transfers and interest rates and fees are not purchases and have no interest free days. See credit card interest-free period page for how it works.

⁴ Koru programme terms and conditions apply. Koru Club joining fee and/or Koru Club annual membership fee will not be refunded if it has already been paid to Air New Zealand. 

⁵ Terms, conditions, exclusions and eligibility criteria apply,  including a minimum spend for certain cards (see applicable policy document for details). Overseas Travel Insurance is arranged by Westpac New Zealand Limited (‘Westpac’) and underwritten by Zurich Australian Insurance Limited (incorporated in Australia, ACN 000 296 640), trading as Zurich New Zealand (‘Zurich New Zealand’). None of Westpac Banking Corporation ABN 33 007 457 141 (incorporated in Australia), Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, Zurich New Zealand or any member of the Zurich group of companies.  

⁶ If you only make a minimum payment each statement period, you will pay more interest and it will take you longer to pay off the unpaid balance.

⁷ 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 use of Westpac Mastercards 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 Business Transaction and Service Fees brochure for details.

⁸ Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Business Mastercard. Balance transfers do not earn Airpoints or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. Interest rates are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use.

You will be personally responsible for all credit extended by Westpac under an Koru Business Mastercard, irrespective of whether a business name appears on the card. The following purchases and transactions do not earn Airpoints or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, payments for cash equivalents (e.g. travellers' cheques, money orders and gambling chips) and business-related purchases made with a Westpac Koru credit card other than a Westpac Airpoints Business Mastercard®. Status Points earned on applicable credit cards only. Business credit card products are only available for business and/or investment purposes and not for personal, domestic or household purposes. Lending criteria, terms and conditions and fees and charges apply to Koru Business Mastercards. See Westpac Koru Business Credit Card Conditions of Use and Business Transaction and Service Fees brochure.

You must be a member of Air New Zealand's Koru programme to earn Airpoints. Koru terms and conditions apply. See Koru terms and conditions.

Airpoints™ is a registered trademark of Air New Zealand Limited.

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

Terms and conditions  

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

• Westpac Koru Business Credit Card Conditions of Use
• Koru terms and conditions
• Key information Brochure
• Business Transaction and Service Fees brochure