Manage your money » Westpac New Zealand

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

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.
5.95% p.a. Balance transfer rate

Apply to transfer your balance(s) to a Westpac credit card and pay 5.95% p.a. for the life of 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.

Compare our credit cards

Still unsure which Westpac credit card is right for you? Our credit card comparison tool can help.

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Terms and conditions

^ Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. 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 16 July 2019 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. 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 is a registered trade mark and the circles design is a trade mark 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.

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

5.95% p.a. Balance transfer rate

Our cards

Low Rate Mastercard®

hotpoints®

Airpoints™

Compare our credit cards