Compare credit cards.
A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is accepted⁺.
Select two credit cards to compare to find which credit card could work best for you.
With CardGuard® you're protected 24/7 from fraudulent activity14. Use your card anywhere, anytime, and leave your worries behind.
Smart ways to pay
Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay15.
Track your spending
CashNav lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.
Things you should know.
+Eligible purchases exclude cash advances, charges, interest, tax payments, cash substitutes, business expenditure (excluding transactions made on a BusinessPLUS Mastercard), balance transfers, transactions on your nominated account(s) linked to your credit card, any transaction that is reversed, refunded or charged back.
1 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. 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®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. Interest rates 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.
2 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 a specified number of 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.
3 Eligible purchases exclude cash advances, charges, interest, tax payments, cash substitutes, business expenditure (excluding transactions made on a BusinessPLUS Mastercard), balance transfers, transactions on your nominated account(s) linked to your credit card, any transaction that is reversed, refunded or charged back.
4 The following purchases and transactions do not earn hotpoints, Airpoints Dollars or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, balance transfers, tax payments, payments for cash equivalents (e.g. travellers' cheques, money orders and gambling chips) and business-related purchases made with a Westpac hotpoints or Airpoints credit card. Status Points earned on applicable credit cards only. For Airpoints Mastercards, Airpoints Dollars and Status Points will be earned on the first $60,000 of eligible spend in each relevant month only. The relevant month is the statement period set out in your statement. Any spend over $60,000 on eligible purchases in each relevant month will not earn Airpoints Dollars or Status Points. For hotpoints Mastercards, the amount of eligible spend that can earn hotpoints is capped at $60,000 a month. Any spend over $60,000 on eligible purchases in each relevant month will not earn hotpoints.
5 Eligible purchases exclude gambling chips or gambling transactions (including online gambling), cash advances, interest charges, tax payments or transactions on any nominated account(s) linked to your credit card or account, or any other purchase that Westpac deems ineligible for hotpoints Pay. Only purchases made with a hotpoints Mastercard can be used for hotpoints Pay. There is a minimum number of hotpoints you must earn before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay.
6 Terms, conditions, exclusions and eligibility criteria apply (see Applicable Policy Document for details), including a minimum spend for business travel. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.
7 Use of your Priority Pass card and access to Priority Pass airport lounges are subject to the Priority Pass Terms and Conditions. Airline, airport and other travel industry employees or contractors may not be eligible for access.
8 $310 per year paid in advance in two six-monthly instalments of $155. This is refunded when you spend $50,000 or more in the previous six-monthly period.
9 $285 per year paid in advance in two six-monthly instalments of $142.50. This is refunded when you spend $50,000 or more in the previous six-monthly period.
10 For details on Airpoints Dollars Advance and Airpoints Dollars expiry see airnewzealand.co.nz/airpoints
11 May only be used in conjunction with Koru Individual Memberships. Koru programme terms and conditions apply. Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.
12 Any costs incurred by using the Mastercard Travel and Lifestyle Services are at the cardholder's expense.
13 Valet Parking eVouchers will be automatically loaded and stored in your Airpoints Account, and are valid for a 12 month period. Each eVoucher entitles you to 24 hours complimentary Valet Parking at Auckland, Wellington or Christchurch Airports. For more details refer to here.
14 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use.
15 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple Device.
Hotpoints terms and conditions apply. Rewards and reward vouchers are subject to availability and may be withdrawn or substituted at any time. Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time. hotpoints® and hotpoints Pay® are a registered trademarks of Westpac Banking Corporation.
Airpoints terms and conditions apply. You must be a member of Air New Zealand's Airpoints™ programme to earn Airpoints Dollars.
If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Terms and conditions
Eligibility criteria, lending criteria, terms and conditions apply. Interest rates and fees subject to change. See:
- Balance Transfer Terms and Condition
- Conditions of Use for the Applicable Card
- Transaction and Service Fees Brochure
- Airpoints Terms and Conditions
- Hotpoints Terms and Conditions
View terms and conditions for all our credit card products here.