Westpac NZ's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use will apply. Charges may apply to some of the transactions and services mentioned - see our Credit card fees page for more details. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. American Express® is a registered trade mark of American Express. This card is issued by Westpac New Zealand Limited pursuant to a license from American Express.