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 credit card lending criteria apply to all applications and transfers. Westpac's Conditions of Use for the applicable credit card apply.
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 (see westpac.co.nz/bt).
^If you have paid your last statement period closing balance in full, you will start your current statement period with a $0 balance owing. When you start your current statement period with a $0 balance owing, do not have a transferred balance on your credit card and pay your statement closing balance in full by its due date, you will get up to 44 days interest-free on your purchases. Cash advances are not purchases and have no interest free days. See credit card interest-free period page for how it works.
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 or gambling transactions (including online gambling); 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 For details on Airpoints Dollars Advance see airnewzealand.co.nz/airpoints.
4 Koru Valet Parking eVouchers will be automatically loaded and stored in your Air New Zealand online account, and are valid for a 12 month period. Each eVoucher entitles you to 24 hours complimentary Koru Valet Parking at Auckland or Christchurch Airports. For more details refer to airnewzealand.co.nz/koru-valet-parking-terms-and-conditions.
5 For details on Airpoints Dollars expiry see airnewzealand.co.nz/airpoints.
6 Use of your Priority Pass card and access to Priority Pass airport lounges are subject to the Priority Pass Terms and Conditions (http://www.prioritypass.com/Conditions-of-use.cfm). Airline, airport and other travel industry employees or contractors may not be eligible for access.
7 Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Minimum spend required for business travel. Please see the Westpac Airpoints World Mastercard insurance policy document for details. The availability of insurance is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Westpac Airpoints World 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.
8 Any costs incurred by using the Concierge and Home Assist Services are at the cardholder’s expense.
9 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 first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. Interest rates and fees are current as at 9 April 2020 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. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. You must close any facilities indicated in this application as being repaid by the Balance Transfer.
10 Higher interest rates for cash advances and other bank ATM fees may apply.
11 The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies if you use your Westpac Mastercard at an ATM belonging to a member of the Global ATM Alliance, and is subject to change. Global ATM Alliance banks and their details are subject to change. All other international and standard fees apply including foreign currency conversion fees – refer to the Transaction and Service fees brochure for details.
13 Hertz terms and conditions apply. For details, visit hertz.co.nz/rentacar/member/enrollment.
14World Mastercard Privileged Access Program Terms and Conditions apply. See worldcard.mastercard.com for details
15 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.
Any service benefits that are associated with the use of your card which are provided by a third party supplier may be withdrawn by Westpac at any time. Westpac will not be responsible for the quality or suitability of any goods or services provided.
This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.
Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.