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.
Westpac’s credit card lending criteria applies to all applications and transfers. Westpac’s Credit Card Conditions of Use will apply.
^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 44 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.
1 Eligible purchases exclude cash advances, charges, interest, 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.
2 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.
3 Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Please see the World Mastercard Insurance policy document for details. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Westpac World Mastercard Overseas Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance Limited (AIG). Westpac does not guarantee the obligations of, or any products issued by AIG.
4Any costs incurred by using the Concierge and Home Assist Services are at the card holder’s expense.
5 Hertz terms and conditions apply. For details, visit www.hertz.co.nz/rentacar/member/enrollment
6 World Mastercard Privileged Access Program Terms and Conditions apply. See worldcard.mastercard.com for details
7 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 20 January 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.
8 The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies if you use your Westpac Mastercard at an ATM belonging to a member of the Global ATM Alliance, and is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to the Transaction and Service Fees brochure for details.
9 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.
The following purchases and transactions do not earn hotpoints (see the Westpac Credit Card Conditions of Use for the applicable card for full details): fees and interest; balance transfers; credit card repayment insurance; gambling chips or gambling transactions (including online gambling); cash advances or withdrawals made from ATMs or over the counter at a bank; money orders, travellers cheques and foreign currencies in cash; any transaction that is reversed, refunded or charged back; transactions on any nominated account(s) linked to your Westpac hotpoints credit card; and business-related purchases made with a Westpac hotpoints credit card other than a Westpac hotpoints Business Mastercard.
Any service benefits associated with the use of your card which are provided by a third party supplier may be withdrawn by Westpac at any time. Westpac will not be responsible for the quality or suitability of any goods or services provided.
This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.
World Mastercard Conditions of Use and Balance Transfer Terms and Conditions will apply. 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 trade mark 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.