Westpac’s credit card lending criteria applies to all applications and transfers. Westpac’s Credit Card Conditions of Use will apply.
^ Interest free days do not apply when you have taken up one of our balance transfer offers and have not paid off the balance transferred in full during the statement period.
*Offer available to 31st December 2017, subject to any further extension or withdrawal at Westpac’s discretion without further notice. Cannot be used in conjunction with other promotional offers other than a balance transfer offer. Customers who have held a Low Rate Mastercard® within the past 24 months are ineligible for the Low Rate Mastercard® offer. Offer only available for online applications using the promo code LR17. After 1 year, the annual account fee for the applicable card at that time applies.
**Available until 31st December 2017, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 12 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will be applied against balance transfers (until paid in full) before cash advances and new purchases, but after charges and interest that have accrued. Interest rates shown are current as at 1 October 2017 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. Balances cannot be transferred to a Mastercard BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints.
1The NZ$3 international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees – refer to the Transaction and Service fees brochure details. Global ATM Alliance banks and their details are subject to change.
2 Provided you notify us as soon as possible, have not acted fraudulently or negligently and have complied with the card’s Conditions of Use.
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 and its brand mark are registered trade marks of Mastercard International Incorporated. Westpac New Zealand Limited.