Credit Card Comparison

Find the Westpac credit card that works best for you.

Airpoints™ Credit Cards

Airpoints™ Credit Cards
Airpoints™ Mastercard®

Airpoints™ Mastercard®

Kick-start your Airpoints Dollars™ earning power while enjoying a low annual account fee.
Annual Account Fee
$55 p.a.
Purchase Interest Rate
20.95% p.a.

Reward Earn Rates

Airpoints Dollars
$120 NZD spent = 1 Airpoints Dollar
50 Airpoints Dollars Advance available Advance available
Up to 55 interest free days on purchases
Airpoints™ Platinum Mastercard®

Airpoints™ Platinum Mastercard®

Impressive Airpoints Dollars™ earning power with access to a range of additional benefits.
Annual Account Fee
$145 p.a.
Purchase Interest Rate
20.95% p.a.

Reward Earn Rates

Airpoints Dollars
$75 NZD spent = 1 Airpoints Dollar
Status Points
$225 spent = 1 Status point
Awarded 5 Star CANSTAR Rating for Outstanding Value
Up to 35 days overseas travel insurance
Minimum spend applies
200 Airpoints Dollars Advance available Advance available
Airpoints Dollars don’t expire as long as you’re a cardholder
Extended warranty/Purchase Protection insurance
$145 discount on annual Koru individual membership fee
Koru Individual Membership Joining Fee Waiver (save $255)
Up to 44 interest free days on purchases
Airpoints™ World Mastercard®

Airpoints™ World Mastercard®

Our premier card with exclusive privileges and NZ’s fastest earning Airpoints Dollars™ credit card on overseas spend.
Annual Account Fee
$390 p.a.
Spend $50,000 or more in a 6 month period and we’ll waive your next 6 monthly annual fee instalment
Purchase Interest Rate
16.95% p.a.

Reward Earn Rates

Airpoints Dollars
$65 NZD spent = 1 Airpoints Dollar
Status Points
$225 spent = 1 Status point
Spend $50,000 or more in a 6 month period and we’ll waive your next 6 monthly annual fee instalment
Up to 120 days overseas travel insurance
Airport lounge access with Priority Pass
200 Airpoints Dollars Advance available Advance available
Airpoints Dollars don’t expire as long as you’re a cardholder
Extended warranty/Purchase Protection insurance
$145 discount on annual Koru individual membership fee
Koru Individual Membership Joining Fee Waiver (save $255)
2 Koru Valet parking e-Vouchers per year
Up to 44 interest free days on purchases

hotpoints Credit Cards

Learn about hotpoints Credit Cards
hotpoints Mastercard®

hotpoints Mastercard®

Enjoy our lowest annual account fee and get rewarded on your everday spend.
Annual Account Fee
$44 p.a.
Purchase Interest Rate
20.95% p.a.

Reward Earn Rates

hotpoints
$1 spent = 1 hotpoint
Pay for your holiday with hotpoints at Flight Centre
Pay back your choice of holiday purchases with hotpoints Holiday Credits
Get the rewards you want online faster with Points + Pay
Up to 55 interest free days on purchases
Pay back your annual account fee with hotpoints
hotpoints Platinum Mastercard®

hotpoints Platinum Mastercard®

Enjoy the Platinum side of life with greater hotpoints earning power and additional benefits. Rewards your way!
Annual Account Fee
$125 p.a.
Purchase Interest Rate
20.95% p.a.

Reward Earn Rates

hotpoints
$1 spent = 2 hotpoints
$1 spent = 2 hotpoints NZD spent in foreign currency
Awarded 5 Star CANSTAR Rating for Outstanding Value
Up to 35 days overseas travel insurance
Pay for your holiday with hotpoints at Flight Centre
Pay back your choice of holiday purchases with hotpoints Holiday Credits
Get the rewards you want online faster with Points + Pay
Extended warranty/Purchase Protection insurance
Up to 55 interest free days on purchases
Pay back your annual account fee with hotpoints
hotpoints World Mastercard®

hotpoints World Mastercard®

Enjoy exclusive privileges, premium offers and our highest hotpoints earn rate to fast-track your rewards.
Annual Account Fee
$390 p.a.
Spend $50,000 or more in a 6 month period and we’ll waive your next 6 monthly annual fee instalment
Purchase Interest Rate
16.95% p.a.

Reward Earn Rates

hotpoints
$1 spent = 3 hotpoints
$1 spent = 3 hotpoints NZD spent in foreign currency
Spend $50,000 or more in a 6 month period and we’ll waive your next 6 monthly annual fee instalment
Up to 120 days overseas travel insurance
Airport lounge access with Priority Pass
Pay for your holiday with hotpoints at Flight Centre
Pay back your choice of holiday purchases with hotpoints Holiday Credits
Get the rewards you want online faster with Points + Pay
Extended warranty/Purchase Protection insurance
Up to 44 interest free days on purchases
Pay back your annual account fee with hotpoints

Low Rate, and Business Cards

Low Rate Mastercard®

Low Rate Mastercard®

Our lowest interest credit card can help you keep costs down on borrowing.
Annual Account Fee
$25 p.a.
Purchase Interest Rate
13.45% p.a.
Awarded 5 Star CANSTAR Rating for Outstanding Value
Up to 55 interest free days on purchases
Airpoints Business Mastercard®

Airpoints Business Mastercard®

A business* card with flexibility of payments, Airpoints rewards and great benefits for your business.
Annual Account Fee
$145 p.a.
Waived if you have a personal Airpoints™ Platinum Mastercard®
Purchase Interest Rate
20.95% p.a.

Reward Earn Rates

Airpoints Dollars
$75 NZD spent = 1 Airpoints Dollar
Status Points
$225 spent = 1 Status point
Annual account fee waived if you have a personal Airpoints™ Platinum MasterCard®
Up to 35 days overseas travel insurance
Extended warranty/Purchase Protection insurance
$145 discount on annual Koru individual membership fee
Koru Individual Membership Joining Fee Waiver (save $255)
Up to 44 interest free days on purchases
BusinessPlus Mastercard®

BusinessPlus Mastercard®

Keep your personal and business expenses separate*, with the added benefit of hotpoints rewards.
Annual Account Fee
$100 p.a.
Waived if you have a personal Platinum Mastercard®
Purchase Interest Rate
20.95% p.a.

Reward Earn Rates

hotpoints
$1 spent = 1.25 hotpoints
$1 spent = 1.25 hotpoints NZD spent in foreign currency
Annual account fee waived if you have a personal Platinum MasterCard®
Up to 35 days overseas travel insurance
Pay for your holiday with hotpoints at Flight Centre
Pay back your choice of holiday purchases with hotpoints Holiday Credits
Get the rewards you want online faster with Points + Pay
Extended warranty/Purchase Protection insurance
Up to 55 interest free days on purchases
Pay back your annual account fee with hotpoints

Features For All Cards

CardGuard

CardGuard

With CardGuard you’re protected 24/7 from fraudulent activity. So you can use your card anywhere, anytime and leave your worries behind.

Westpac PayTag®

Westpac PayTag®

No wallet? No worries. Westpac PayTag® lets you make contactless payments under $80 using just your mobile phone.

5.95% p.a. Balance Transfer

5.95% p.a. Balance Transfer

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

Fees For All Cards

Fees and charges may apply to some of the transactions and services mentioned. See the Transaction and Service fees brochure for details.

  1. *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®, 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.

  2. The following purchases and transactions do not earn Airpoints Dollars™, Status Points or hotpoints® (see the Westpac Credit Card Conditions of Use for the applicable card for full details): cash withdrawals, payments of cash equivalents (e.g. traveller's cheques, money orders and gambling chips) and business-related purchases made with a Westpac MasterCard other than a Westpac Airpoints Business MasterCard or a Westpac hotpoints Business MasterCard. Status Points earned on applicable credit cards only.

  3. Terms, conditions, exclusions and eligibility criteria apply (see applicable policy document) including a minimum spend for certain travel regions or for business travel. Overseas travel, extended warranty and Purchase Protection insurances are arranged by Westpac and are underwritten by AIG Insurance New Zealand Limited (“AIG”). Westpac does not guarantee the obligations of, or any products issued by AIG.

  4. For details on Airpoints Dollars Advance and Airpoints Dollars expiry see airnewzealand.co.nz/airpoints.

  5. Koru terms and conditions apply - see airnewzealand.co.nz/airpoints. Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.

  6. Priority Pass terms and conditions apply.

  7. Valid for 12 months, allowing up to 24 hours’ Koru Valet parking at Auckland or Christchurch Airports. For details see www.airnzparking.co.nz/terms-conditions.

  8. Any costs incurred by using the Concierge and Home Assist Services are at the cardholder's expense.

  9. Hotel Upgrades: Starwood Preferred Guest terms and conditions apply. Visit www.SPG.com/WorldMasterCardGold. Car Rental Upgrades: Hertz terms and conditions apply. For details, visit hertz.co.nz/rentacar/member/enrollment.

  10. Points + Pay available only on selected voucher and merchandise rewards redeemed online at hotpoints.co.nz. Only Westpac hotpoints credit cards can be used for the pay portion. Points + Pay terms and conditions apply.

  11. Pay Using Points at Flight Centre terms and conditions apply

  12. Once you see the fee charge, redeem hotpoints to pay it back by calling 0800 861 862 (weekdays from 8.30am to 5.00pm).

  13. hotpoints Holiday Credits Terms and Conditions apply, see https://www.hotpoints.co.nz/travel/holiday_credits

* You will be personally responsible for all credit extended by Westpac under a BusinessPlus Mastercard or Airpoints Business Mastercard, irrespective of whether a business card appears on the card.

Westpac’s current credit card lending criteria apply to all applications and transfers. Westpac credit card Conditions of Use for the applicable card will apply. You must be a member of Air New Zealand's Airpoints™ programme to be eligible to earn Airpoints Dollars™. Airpoints terms and conditions apply (https://www.airnewzealand.co.nz/airpoints-terms-and-conditions). Westpac accepts no responsibility for the availability or content of third party websites. Fees and rates shown are current as at 23 February 2019 but are subject to change. Mastercard and its Brand Mark are registered trade marks of Mastercard International Incorporated.