What is a credit card?

A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard® is accepted.

With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website.

If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.

If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards.


Why Westpac?

24/7 protection

With CardGuard you’re protected 24/7 from fraudulent activity2. 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 Pay3.

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

How to apply.

Apply online, via Westpac One, visit us at a branch, or call us on 0800 888 111 weekdays between 7am and 8pm and 8am to 5pm on weekends and public holidays.

We may contact you using the details captured in the application process to see how we can help with your application.

Things you should know.

*Offer available on new accounts applied for between 27 September 2021 and 22 December 2021, subject to any extension or withdrawal at Westpac's discretion without further notice. The offer is only available for the card types specified. Customers who currently hold or have held a Westpac Airpoints credit card in the past 18 months are ineligible for this offer, unless an Airpoints Business Mastercard holder opens a personal Airpoints Platinum Mastercard or a personal Airpoints Platinum Mastercard holder opens an Airpoints Business Mastercard. Limited to one Bonus Airpoints allocation per account. Excludes transfers from any Westpac credit card to any Westpac Airpoints credit cards. Cannot be used in conjunction with any other promotional offers except balance transfer rates. $1,000 minimum spend requirement must be met within the first 3 months of the new card opening to qualify for the bonus points. Balance transfers, cash advances and any retail purchases that have been made and then reversed within your spend period will not count towards the minimum spend requirement. Bonus points will be paid 5 weeks after the spend criteria has been met. Your Westpac Airpoints credit card account must remain open and not in default at the time the bonus Airpoints Dollars are paid. 

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

2Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple Device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay see Westpac Apple Pay Terms and Conditions for more information. Conditions of Use for the applicable card also apply. If you only make the minimum repayment each month, you will pay more interest and it will take you longer to pay off the unpaid balance. Apple Pay, Apple Watch, Face ID, iPad, iPhone, MacBook Pro, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

You must be a member of Air New Zealand's Airpoints™ programme to earn Airpoints Dollars. Airpoints Terms and Conditions.

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

Eligibility criteria, Lending criteria, Terms and Conditions apply. Conditions of Use for the applicable card apply.

Rates, Transaction and Services Fees apply. Interest rates and fees subject to change.