*Fee charged annually in advance.

**Fees charged in advance in two six-monthly instalments.

Certain purchases and transactions are not eligible to earn hotpoints. 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.

4Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances, balance transfers and interest rates and fees are not purchases and have no interest free days. See Credit Card Interest-free Period page for how it works.

Eligibility and lending criteria, exclusions, terms and conditions apply. See the specific product page for more information. Interest rates and fees are subject to change without notice. See also how credit card interest works for more information on interest free periods.

What is a credit card?

A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is is accepted. 

With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website

If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.

If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards

0% p.a. Balance transfer.

Using your hotpoints for rewards.

hotpoints online store

Redeem hotpoints for a wide range of merchandise rewards, gift cards and eCards, on the hotpoints website. 

See rewards

Donate to the Westpac Rescue Helicopter

You can donate your hotpoints to the Westpac Choppers in your local region.

See how to donate

KiwiSaver

Convert your hotpoints into contributions towards an existing Westpac KiwiSaver Scheme3 account – either your own, or someone else’s.

See how this works
Friends inside a general store

Why Westpac?

24/7 protection

With CardGuard® you’re protected 24/7 from fraudulent activity4. Use your card anywhere, anytime, and leave your worries behind.

How CardGuard keeps you safe

Smart ways to pay

Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay5.

Your digital payment options

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.

Discover CashNav

How to apply.

Apply online, via Westpac One, visit us at a branch, or call us on 0800 177 277 weekdays between 8am and 6pm and 9am to 3pm on Saturdays.

We may contact you using the details captured in the application process to see how we can help with your application.

FAQs.

More questions on hotpoints or credit cards? Get extra help.

Things you should know.

*Offer for a limited period, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 6 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. 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. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®.

1Hotpoints terms and conditions apply. 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 eligible purchases made with a hotpoints Mastercard can be used for hotpoints Pay. See the applicable Credit Card Conditions of Use for details.

2Certain purchases and transactions are not eligible to earn hotpoints. 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.

3 BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme.

4 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.

5 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard and Global Currency cards. Customers also need a compatible Apple Device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay see Westpac Apple Pay Terms and Conditions for more information. Conditions of Use for the applicable card also apply. If you only make the minimum repayment each month, you will pay more interest and it will take you longer to pay off the unpaid balance. Apple Pay, Apple Watch, Face ID, iPad, iPhone, MacBook Pro, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

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.

Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

hotpoints® and hotpoints Pay® are registered trademarks of Westpac Banking Corporation.