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:
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
Personal Loan Summary (Vehicle Secured) - 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
Specific Security Agreement and Debtors Certificate – Individual