Consumer Lending Terms and Conditions

We’ve bundled up our terms and conditions for all our consumer lending products into one easy place. These are available for:

Credit Cards

For Low Rate Mastercard®, hotpoints® Mastercard or Visa, hotpoints Platinum Mastercard, BusinessPLUS Mastercard, hotpoints Visa Gold, Portfolio Gold Mastercard or Portfoilio Visa Gold card cardholders:

Westpac Credit Card Conditions of Use

For hotpoints World Mastercard cardholders:

Westpac World Mastercard Account Conditions of Use

For Airpoints™ Mastercard, Airpoints Platinum Mastercard and Airpoints Business Mastercard cardholders:

Westpac Airpoints Credit Card Conditions of Use

For Airpoints World Mastercard cardholders:

Westpac Airpoints World Mastercard account Conditions of Use

Credit Card Insurance Policy Documents: 

Platinum Card Insurances

World MasterCard® Insurances

Airpoints™ Platinum Card Insurances

Airpoints™ World MasterCard® Card Insurances

For Westpac Paytag cardholders:

Westpac PayTag Terms and Conditions

Personal loans

Personal Loan Terms and Conditions

Personal Loan Summary - Sample

Overdraft Agreement - Sample

Student Pac and Graduate Pac Overdraft Terms & Conditions - Sample

Temporary Overdraft Confirmation – Sample

Home loans

Choices Home Loan Summary - Sample

Choices Home Loan Terms and Conditions

Choices Everyday Home Loan Summary - Sample

Choices Everyday Home Loan Terms and Conditions

Choices Home Loan with Airpoints Special Conditions (if applicable)

Air New Zealand Airpoints Terms and Conditions (if applicable)


General Terms and Conditions

Transaction and Service Fees

Memorandum of Mortgage

Specific Security Agreement and Debtors Certificate – Individual

Specific Security Agreement