*$0 Annual Fee for 2 years offer: Lending criteria, eligibility criteria, terms, conditions and other fees and charges apply. Applies to new personal Westpac credit cards applied for between 20 February and 20 May 2020 and subsequently approved. Excludes Airpoints World Mastercard, hotpoints World Mastercard, Airpoints Business Mastercard and hotpoints BusinessPLUS Mastercard. You will not be eligible for this offer if you have held the same card type in the past 18 months or if you have transferred from an existing Westpac credit card to a qualifying credit card. After 2 years, the Annual Fee for the applicable card at that time (which may be higher than the current fee) will apply. This offer may be extended or withdrawn at Westpac’s discretion without further notice.
Payments will be applied to charges and accrued interest, then to cash advances and purchases, followed by balance transfers. If you have multiple balance transfer rates, payments will first be applied to the balances transferred at the highest interest rate.
You will be personally responsible for all credit extended by Westpac under a BusinessPLUS MasterCard, irrespective of whether a business name appears on the card.
This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.
hotpoints® are available only with the Westpac hotpoints Mastercard, Platinum Mastercard, or World Mastercard. Visa Credit Card applications are no longer accepted, but hotpoints will be earned on existing Visa hotpoints credit cards. Vouchers and products are subject to availability and may be withdrawn or substituted at anytime. There is a minimum number of hotpoints you must earn before you are eligible to claim rewards or reward vouchers. Hotpoints terms and conditions apply. 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 Any goods or services that are provided by a third party supplier may be withdrawn at any time. Westpac is not responsible for the quality or suitability of any such goods or services. hotpoints® is a registered trademark of Westpac Banking Corporation. Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated. Westpac New Zealand Limited.
^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 first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. Interest rates and fees are current as at 5 April 2020 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. 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®. You must close any facilities indicated in this application as being repaid by the Balance Transfer.