Westpac's credit card lending criteria apply to all applications and transfers. Westpac's Conditions of Use for the applicable credit card apply.
*No Annual Fee offer: Apply and be approved between 17 September and 14 December 2018. You will not be eligible for this offer if you have been approved for a card of the same type less than 18 months from the date of your new card application. This offer may be extended or withdrawn at Westpac’s discretion without further notice. Low Rate Mastercard®, hotpoints® Mastercard® or Airpoints™ Mastercard®: After 2 years, the Annual Fee for the applicable card at that time (which may be higher than the current fee) will apply. Airpoints™ Platinum Mastercard®, Platinum Mastercard®: After 1 year, the Annual Fee for the applicable card at that time (which may be higher than the current fee) will apply. See westpac.co.nz/credit-card for details on the current rates and fees. Lending criteria, terms, conditions and other fees and charges apply.
^ Interest free days do not apply when you have taken up one of our balance transfer offers and have not paid off the balance transferred in full during the statement period.
1 The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the Westpac Credit Card Conditions of Use for the applicable card for full details): fees and interest; balance transfers; credit card repayment insurance; purchases of Airpoints Dollars using Airpoints Advance facilities; gambling chips; cash advances or withdrawals made from ATMs or over the counter at a bank; money orders, travellers cheques and foreign currencies in cash; any transaction that is reversed, refunded or charged back; transactions on any nominated account(s) linked to your Westpac Airpoints credit card; 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 For details on Airpoints Dollars Advance see airnewzealand.co.nz/airpoints.
3 Rate will apply to balance(s) transferred until that balance(s) is paid off. 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 and fees are current as at 25 September 2018 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®.
4 Higher interest rates for cash advances and other bank ATM fees may apply.
5 The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees – refer to the Transaction and Service fees brochure details. Global ATM Alliance banks and their details are subject to change.
6 If you make only a minimum payment each statement period, you will pay more interest and it will take you longer to pay off the unpaid balance.
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.
This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.
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