Westpac credit cards

Whether you’re looking to save on interest charges, earn rewards or access exclusive benefits, you’ll find a matching Westpac credit card product. You also have a choice of rewards, with Westpac hotpoints and Air New Zealand Airpoints Dollars on offer.

One of Australia’s biggest banks, Westpac, has been active in New Zealand since 1861 offering consumer and business banking services across the nation and now includes various credit cards packed with features.

Compare Westpac credit cards

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Name	Product	Purchase Rate	Annual fee	Balance Transfer Rate
LOW RATE Westpac Low Rate Mastercard Westpac Low Rate Mastercard	LOW RATE	12.9% p.a.	$0	0% p.a. for 6 months or 5.95% p.a. for the life of the balance	Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance. Pay no account fee ever, plus enjoy up to 55 days interest-free on purchases.	More Info	Compare	loading Fetching your data...
AIRPOINTS Westpac Airpoints Mastercard Westpac Airpoints Mastercard	AIRPOINTS	20.95% p.a.	$70	5.95% p.a. for the life of the balance	Earn 1 Airpoints Dollar for every $130 spent and get up to 55 days interest-free credit on purchases. Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
AIRPOINTS Westpac Airpoints Platinum Mastercard Westpac Airpoints Platinum Mastercard	AIRPOINTS	20.95% p.a.	$125	5.95% p.a. for the life of the balance	Earn 1 Airpoints Dollar for every $85 spent and get up to 44 days interest-free credit on purchases. Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
AIRPOINTS Westpac Airpoints World Mastercard Westpac Airpoints World Mastercard	AIRPOINTS	16.95% p.a.	$310	5.95% p.a. for the life of the balance	Earn 1 Airpoints Dollar for every $70 spent and get up to 44 days interest-free credit on purchases. Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
AIRPOINTS Westpac Airpoints Business Mastercard Westpac Airpoints Business Mastercard	AIRPOINTS	20.95% p.a.	$145	5.95% p.a. for the life of the balance	Low rate of 5.95% for all balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
Westpac hotpoints Mastercard Westpac hotpoints Mastercard		20.95% p.a.	$40	5.95% p.a. for the life of the balance	Earn one hotpoint for every $1 spent on your card, plus get up to 55 days interest-free on purchases. Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
Westpac hotpoints Platinum Mastercard Westpac hotpoints Platinum Mastercard		20.95% p.a.	$70	5.95% p.a. for the life of the balance	Earn two hotpoints for every $1 spent on eligible purchases, plus get up to 55 days interest-free credit on purchases. Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
Westpac hotpoints World Mastercard Westpac hotpoints World Mastercard		16.95% p.a.	$285	5.95% p.a. for the life of the balance	Earn three hotpoints for every $1 spent on eligible purchases, plus get up to 44 days interest-free credit on purchases. Balance transfer offer: Choose between a rate of 0% p.a. for 6 months or 5.95% p.a. on balance transfers for the life of the balance.	More Info	Compare	loading Fetching your data...
Westpac BusinessPlus Mastercard Westpac BusinessPlus Mastercard		20.95% p.a.	$100	5.95% p.a. for the life of the balance	Earn 1.25 hotpoints for every dollar of eligible business spend.	More Info	Compare	loading Fetching your data...

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Types of credit cards available

There are many ways you can turn your credit card spend into rewards with Westpac. One option is through solid earning rates via Air New Zealand Airpoints Dollars. If you regularly carry a balance on your credit card, consider the Westpac Low Rate Mastercard, which offers a low rate to help you save on interest charges. Here are your other options with Westpac:

• Premium credit cards. Westpac’s two World Mastercard products, the Airpoints World Mastercard and the hotpoints World Mastercard, are geared to help you get more out of life, including access to special travel privileges. Both cards charge a relatively high annual fee. Still, in return, you get accelerated rewards earning rates and perks, including a Priority Pass which gives the main cardholder access to over 1,300 airport lounges worldwide.
• Rewards credit cards. Apply for a Westpac hotpoints Mastercard to participate in the Westpac rewards earnings scheme. You have a choice of three cards with incrementally higher earnings rates. However, higher earnings rates are matched to higher annual fees. You can exchange your hotpoints anywhere Mastercard is accepted using “hotpoints Pay”, so check out the Westpac website for information on how to use hotpoints Pay. Your hotpoints can be exchanged on the hotpoints website for a wide range of goods such as technology, books, magazines, and homewares; plus, you can top up the payment with dollars if you find you do not have enough hotpoints. You can even make contributions towards an existing Westpac KiwiSaver Scheme account using hotpoints. A minimum of 3,600 hotpoints (equal to $20) needs to be transferred.
• Airpoints credit cards. Frequent travellers could think about applying for one of the Westpac Airpoints credit cards as these earn rewards with Air New Zealand’s loyalty programme. Choose from a standard, Platinum or World Mastercard. The higher tier Airpoints cards offer increasing Airpoints Dollars earnings on your credit card spend, along with a higher annual fee. Exchange the Airpoints Dollars you earn for flights with Air New Zealand or a range of other goods and experiences at the Airpoints Store.
• Balance transfer credit cards. Every Westpac credit card comes with a balance transfer offer. If you have a balance with a different credit card company, you can transfer that balance to your Westpac credit card (95% of the available credit limit). The current rate on offer is 5.95% p.a. valid for the life of the balance.
• Low rate credit card. Enjoy no annual fee with the Westpac Low Rate Mastercard. If you pay your balance in full, you also enjoy 55 days of interest-free credit too. Any balance you carry past the interest-free period is subject to an interest rate of 12.90% p.a.
• Business credit cards. Westpac offers rewards-earning credit cards for businesses too. Your business can choose between the Airpoints Business Mastercard and the BusinessPLUS Mastercard with hotpoints. Either way, you can manage your business spending while getting something back when applying for a Westpac business credit card product. Westpac also offers a charge card, the Business Mastercard and a prepaid card option, the Business Prepaid Mastercard.

Benefits of banking with Westpac

• Get something back when you use your card. Every personal Westpac credit card, except for the Westpac Low Rate Mastercard, is enrolled with a rewards programme which earns you either Airpoints Dollars or Westpac hotpoints. Westpac rewards cards offer a choice between a higher annual fee with a high rewards earnings rate and a lower annual fee with a more modest rewards earnings rate.
• Travel perks and privileges. Apply for one of the premium Westpac Mastercard products, and you could enjoy special perks and privileges when you travel. For example you could benefit from overseas travel insurance coverage of up to 120 days for World Mastercard credit cards and 35 days of travel insurance coverage with a Platinum Mastercard. Complimentary travel insurance is subject to terms and conditions. Your Westpac World Mastercard also comes with free entry to over 1,300 airport lounges around the world, courtesy of Priority Pass.
• Reduce your interest expense. There are a few ways you can reduce the interest you pay using a Westpac credit card. You could opt for the Westpac Low Rate Mastercard, which offers you a permanently reduced interest rate on all purchases throughout the life of the card. Another option is to take advantage of a balance transfer offer available on all Westpac cards, currently featuring a rate of 5.95% p.a. interest across the life of the balance.
• Contactless payment technology. Tap and pay using any Westpac credit card. All Westpac cards include Mastercard contactless payment technology, so you can pay for transactions of up to $200 without entering your PIN. If you leave your card at home, you can pay using Apple Pay with your iPhone, an Apple Watch or Westpac Pay for Android phones. Alternatively, apply for a Westpac PayTag, which you can stick to your phone or case and use to enjoy the same contactless payment advantage.
• Westpac CardGuard security. Thanks to Westpac Cardguard, you are protected against fraud around the clock, including Zero Liability Protection, so you aren’t held liable if your card has been lost or stolen.

How can I apply for a Westpac credit card?

Though Westpac offers a wide range of credit cards, you should always compare your preferred Westpac credit card against similar offers from other New Zealand banks. If you decide to apply for a Westpac credit card product, check the requirements below and complete the secure online application form. Existing customers can follow an expedited application process via Westpac One online banking.

Eligibility requirements

• Age requirement. You must be 18 or older.
• Residency. Only residents and citizens of New Zealand can apply.
• Minimum income. A Westpac card application requires a minimum income of $15,000 p.a.
• Credit record. Your credit record should be in good standing.

Necessary documents and information

• Proof of identification. You can provide either a New Zealand passport or a New Zealand driving licence.
• Full income details. Westpac requires your full income details, including those of your main employment and any additional income. In some cases, you may need to take proof of income to a Westpac branch.
• Details of debts and expenses. Provide complete information about your current debt, plus your regular monthly expenses and outgoings.
• Details of saving and investments. Declaring your existing Westpac and non-Westpac savings and investments can aid a successful application.

Frequently asked questions about Westpac credit cards

Below, we’ve compiled some of the most common questions about the Westpac credit card range. We can help you with any other questions, too, so complete the form at the end of the page, and we’ll get back to you.

• Should I pay a higher annual fee for accelerated rewards?

  Many Westpac credit cards offer a faster way to earn rewards, but you pay a higher annual fee in return. Depending on your credit card spending habits, you could recoup the higher annual fee by earning rewards faster. Look at your credit card spending history and convert the rewards you earn into a cash equivalent. Add the cash value of any other benefits on the card and compare this to the annual fee.

• Do the rewards points I earn ever expire?

  Cardholders earning hotpoints need to note that they only have a lifespan of three years, after which they expire. Note that if you close your credit card account or switch your Westpac credit card product away from hotpoints, you have 90 days to use your hotpoints. If you’re earning Airpoints Dollars, you can rest assured your Airpoints Dollars never expire, as long as you remain a cardholder.

• Which transactions qualify for rewards?

  Online and in-store purchases almost always qualify for earning rewards, but some transactions are excluded. These include paying for gambling, cash or cash equivalents such as traveller’s cheques, and non-purchase transactions, including balance transfers. Also, refunded transactions do not qualify for rewards.

• What is the Westpac PayTag?

  A Westpac PayTag functions like a miniature version of your credit card, but it’s limited to contactless payments. A PayTag is free and is a companion to your existing physical credit card. You can stick your PayTag to the back of your phone, for example, enabling you to make payments of $200 and under without carrying your credit card with you.

• How can I pay my Westpac credit card?

  There are plenty of options for making payments to your Westpac credit card. These include:

  • Setting up a direct debit that makes the monthly minimum payment.
  • Paying any amount using a 24-hour phone or online banking.
  • Making use of an ATM or make a bill payment from another bank.
  • Using Westpac One online banking.

• What do I need to know when using my Westpac credit card overseas?

  Your Mastercard-issued Westpac card is accepted at millions of overseas merchants, wherever you see the Mastercard symbol displayed. Westpac converts the transaction amount from the foreign currency into a New Zealand dollar equivalent. You also pay a 1.95% foreign currency conversion fee on the New Zealand dollar amount.

• Can I use my Westpac card for cash advances?

  Yes, you can withdraw cash from any ATM worldwide using your Westpac credit card, subject to your credit limit and a daily cash advance limit. Remember that cash advances attract a cash advance fee for every advance. Cash that is withdrawn at overseas ATMs also attracts a foreign currency conversion charge in addition to the cash advance fee.

• When do I pay my annual credit card fee?

  Westpac charges annual account fees differently, depending on the credit card product. With some cards, your annual account fee is billed in one go when you open your account and annually thereafter. Other cards bill half of the annual fee when you open the account and the remaining half every six months for as long as your account is open.

• Can I get an annual fee waiver?

  Most Westpac cards charge an ongoing annual account fee, even for new applicants. However, there are occasional time-limited offers for new applicants on selected cards where the first year of annual fees is waived. If you hold a Westpac World Mastercard and spend $50,000 in a six-month period the bank will waive your next six-monthly account fee instalment. Also, the Low-Rate Mastercard does not charge an annual fee.

• Can I add an extra cardholder?

  You have the option of adding either a joint or an additional cardholder when you apply for your card. You can add extra cardholders at any time. Joint cardholders are jointly responsible for any balances on the card, while the main account holder is the only person responsible for transactions made by additional cardholders.

• Does Westpac offer online banking?

  Online banking is convenient with Westpac One, which offers full credit card account services. You can also manage your spending on your mobile phone thanks to Westpac CashNav, the money management app that categorises your spending on the fly. It is available for both iPhone and Android.