Terms and conditions apply to Westpac’s eligible Everyday Accounts. Westpac’s current credit card lending criteria apply to all applications and transfers. Debit MasterCard Conditions of Use apply. Where applicable, terms, conditions, fees and charges still apply to Westpac products and services. You can get a copy of the current disclosure statement for Westpac New Zealand Limited and a copy of the applicable term sheet for your investment from any Westpac branch in New Zealand, free of charge. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.