Manage your money » Westpac New Zealand

Features

Up to 55 days interest free

Give yourself a little more time to pay off your purchases with up to 55 days interest free.
Manage spending with CashNav

Our free app that lets you keep track of your spending.
0% Balance Transfer

Apply to transfer your balance(s) to a Westpac credit card and pay 0% p.a. for 12 months on the balance transferred*.

Our cards

Low Rate Mastercard®

Manage your spending with a low 13.45% p.a. purchase interest rate and a low limit starting from $500.
hotpoints®

Earn rewards your way, from retail vouchers to merchandise and more.
Airpoints™

Fly sooner by earning Airpoints Dollars™ with a Westpac Airpoints Mastercard.

^Offer extended to 30th September 2017, subject to any further extension or withdrawal at Westpac’s discretion without further notice. Cannot be used in conjunction with other promotional offers other than a balance transfer offer. Customers who have held a Westpac Low Rate Mastercard, hotpoints Mastercard or Airpoints Mastercard within the past 18 months are ineligible for the offer on a new card of the same type as previously held. After 2 years, the annual account fee for the applicable card at that time applies. Certain purchases and transactions are not eligible to earn Airpoints Dollars™ or Status Points or hotpoints – see the applicable Credit Card Conditions of Use for full details.

*Offer extended to 30th September 2017, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 12 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. 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 shown are current as at 1 May 2017 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.

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. Payments made to your Westpac credit card will be applied against balance transfers (until paid in full) before cash advances and other purchases, but after charges and interest that have accrued. 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. All applications are subject to Westpac approval.

Lending criteria, terms and conditions apply. Standard interest rate is subject to change. You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints Dollars™. Airpoints terms and conditions apply.

Mastercard and its brand mark are registered trade marks of Mastercard International Incorporated.

This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.

Choose a card to help manage your money.

If you use a credit card to help manage your money we've a great range of cards to help. From low rates to a choice of rewards, there's a Westpac card for you.

Features

Up to 55 days interest free

Manage spending with CashNav

0% Balance Transfer

Our cards

Low Rate Mastercard®

hotpoints®

Airpoints™

Pay no annual fee for 2 years^

Compare our credit cards