Things you need to know:
Westpac's current credit card lending criteria apply to all applications and transfers. Westpac MasterCard Conditions of Use apply. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. Service fees still apply, for example clearance fees, online bill payments and use of other banks' ATMs.
Westpac’s current home loan lending criteria and terms and conditions apply. An establishment charge and a Low Equity Margin may apply. An additional fee or higher interest rate may apply to loans if the application is accepted but does not meet the standard lending criteria.