Credit Cards

From low rates to a choice of rewards, there’s a Westpac credit card to suit everyone. Browse our cards below and apply online today.

Current offers

$0 annual fee for 2 years** with a new hotpoints® Mastercard®, Airpoints™ Mastercard® or Low Rate Mastercard®^.
Pay 0% p.a. for 12 months on balance(s) transferred to a Westpac credit card*. Find out more.

Airpoints™ Credit Cards

Earn Air New Zealand Airpoints Dollars™ with your Westpac Mastercard® spend*.
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Low Rate Mastercard®

Our lowest interest credit card can help you keep costs down on borrowing.
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hotpoints® Credit Cards

Every dollar you spend earns you hotpoints, with our range of Westpac hotpoints Mastercards.
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Business cards solutions

Put your company in charge of its spending with our range of business card options.
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Monitor your card spend in real time

CashNav is our new money management app that connects with your credit card to automatically track and categorise what you spend.

Find out more

View Terms and Conditions

For daily transaction limits, click here.

Westpac’s current credit card lending criteria will apply for credit cards. Credit Card Conditions of Use for the applicable card will apply. Fees and rates shown are current as at 20 February 2015 but are subject to change. Other charges may apply to some of the transactions and services mentioned –Find out more on our Credit Card fees and rates pages. Overseas cash advances and foreign currency fees may apply. Hotpoints terms and conditions apply. hotpoints® is a registered trademark of Westpac Banking Corporation. Mastercard and the Mastercard brand mark are registered trade marks of Mastercard International Incorporated.

**Offer extended to 31 July 2017, subject to any extension or withdrawal at Westpac’s discretion without further notice. Cannot be used in conjunction with other promotional offers other than a balance transfer offer. Customers who have held a Westpac hotpoints® Mastercard®, Airpoints™ Mastercard® or Low Rate Mastercard® within the past 18 months are ineligible for the offer on a new card of the same type as previously held. After 2 years, the annual account fee for the applicable card at that time applies.

*Offer extended to 31 July 2017, Westpac reserves the right to extend the offer beyond that closing date. After 12 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will be applied against balance transfers (until paid in full) before cash advances and new purchases, but after charges and interest that have accrued. Interest rates shown are current as at 1 May 2017 and 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. Balances cannot be transferred to a Mastercard BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints.

Credit Cards

Current offers

Airpoints™ Credit Cards

Low Rate Mastercard®

hotpoints® Credit Cards

Business cards solutions

About Airpoints

About hotpoints

Balance transfer

Security

Monitor your card spend in real time