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 This offer may be extended or withdrawn at Westpac’s discretion without further notice.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®or hotpoints® 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 May only be used in conjunction with one year Koru Individual Memberships. Koru terms and conditions apply - see airnewzealand.co.nz/koru-terms-conditions. Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.
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 19 October 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 For details on Airpoints Dollars Advance see airnewzealand.co.nz/airpoints.
5 For details on Airpoints Dollars expiry see airnewzealand.co.nz/airpoints.
6 Terms, conditions, exclusions and eligibility criteria apply to insurance cover. A minimum spend applies for different travel regions. Please see the Westpac Airpoints Platinum Mastercard insurance policy document for full details. The availability of insurance is subject to the acceptance and approval of a complete credit card application. Any payment is subject to your claim being accepted. Westpac Airpoints Platinum Mastercard Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance New Zealand Limited (AIG). Westpac does not guarantee the obligations of, or any products issued by AIG. Westpac will receive commission payments as a result of the arrangement of insurance products.
7 Higher interest rates for cash advances and other bank ATM fees may apply.
8 Provided you notify us as soon as possible, have not acted fraudulently or negligently and have complied with the card’s Conditions of Use.
9 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.
10 If you only make 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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