Why Westpac?

24/7 protection

With CardGuard® you're protected 24/7 from fraudulent activity10. Use your card anywhere, anytime and leave your worries behind.

How CardGuard keeps you safe

Smart ways to pay

Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay11.

Your digital payment options

Track your spending

CashNav® lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.

Discover CashNav

Things you should know.

1 The following purchases and transactions do not earn Airpoints Dollars™ 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, gambling chips and gambling transactions (including online gambling), tax payments and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only.

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

3 Eligible purchases exclude cash advances, charges, interest, tax payments, cash substitutes, business expenditure (excluding transactions made on a BusinessPLUS Mastercard), balance transfers, transactions on your nominated account(s) linked to your credit card, any transaction that is reversed, refunded or charged back.

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.

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

6 Terms, conditions, exclusions and eligibility criteria apply (see applicable policy document for details), including a minimum spend for business travel. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.

7 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.

8 Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit Card Conditions of Use for details.

9 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 Dollars™ 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.

10 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use.

11 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Business Mastercard, Westpac Business Prepaid Mastercard and Global Currency cards. Customers also need a compatible Apple Device.

Westpac's credit card lending criteria apply to all applications and transfers. Westpac's Conditions of Use for the applicable credit card apply. This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account. hotpoints terms and conditions apply.

You will be personally responsible for all credit extended by Westpac under an Airpoints Business Mastercard, irrespective of whether a business name appears on the card. The following purchases and transactions do not earn Airpoints Dollars™ 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 Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only. Lending criteria, terms and conditions and fees and charges apply to Airpoints Business Mastercards. See Westpac Airpoints Credit Card Conditions of Use and Business Transaction and Service Fees brochure.

Business credit card products are only available for business and/or investment purposes and not for personal, domestic or household purposes. 

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

hotpoints is a registered trademark of Westpac Banking Corporation. 

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. Interest rates and fees subject to change. See:

View terms and conditions for business credit cards products: