If you make only a minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance. Westpac's credit card lending criteria apply to all applications and transfers. Conditions of Use for the applicable credit card apply. If you use a Westpac credit card which has an outstanding balance transfer, balance transfer terms & conditions apply.
Payments will be applied to charges and accrued interest, then to cash advances and purchases, followed by balance transfers. If you have multiple balance transfer rates, payments will first be applied to the balances transferred at the highest interest rate.
Westpac’s current credit card lending criteria will apply for credit cards. Credit Card Conditions of Use for the applicable card will apply. Interest rates and fees are current as at 29 October 2020 and are subject to change without notice. Other charges may apply to some of the transactions and services mentioned –Find out more on our Overseas cash advances and foreign currency fees may apply.
You must be a member of Air New Zealand’s AirpointsTM programme to be eligible to earn Airpoints DollarsTM. Airpoints terms and conditions apply – see airnewzealand.co.nz/airpoints-terms-and-conditions for details.
Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.