*$0 Annual Fee for 2 years offer: Lending criteria, eligibility criteria, terms, conditions and other fees and charges apply. Applies to new personal Westpac credit cards applied for between 20 February and 20 May 2020 and subsequently approved. Excludes Airpoints World Mastercard, hotpoints World Mastercard, Airpoints Business Mastercard and hotpoints BusinessPLUS Mastercard. You will not be eligible for this offer if you have held the same card type in the past 18 months or if you have transferred from an existing Westpac credit card to a qualifying credit card. After 2 years, the Annual Fee for the applicable card at that time (which may be higher than the current fee) will apply. This offer may be extended or withdrawn at Westpac’s discretion without further notice.
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 3 April 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.