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.
^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 55 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.
#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 21 January 2021 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.
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.
1The NZ$2 for credit card and NZ$3 for debit card 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.
2Provided you notify us as soon as possible, have not acted fraudulently or negligently and have complied with the card’s Conditions of Use.
3If 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 is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.