Westpac Credit Cards

Westpac is a bank that offers a variety of financial services, including personal, retail, business and institutional banking.

Types of Westpac credit cards

Fee-Free Mastercard

Features:

Up to 55 days interest free

Fees and charges:

No annual account fee
12.90% p.a. interest rate on purchases
19.95% p.a. cash advance rate
Balance transfers: 5.95% p.a. for life of balance transfer

Compare Low Rate Credit Cards

Westpac Airpoints Mastercard

Features:

Earn one Airpoints Dollar for every $150 spent up to $3500, then 1 Airpoints Dollar for every $300 spent each month
50 Airpoints Dollars advances available
Up to 55 days interest free

Fees and charges:

$70 annual fee
Joint/additional card: $15 p.a.
Purchase interest rate: 20.95% p.a.
Balance transfers: 5.95% p.a. for life of balance transfer
Cash advance interest rate: 22.95% p.a.

Westpac Airpoints Platinum Mastercard

Features:

Earn one Airpoints Dollar for every $110 spent up to $7000, then one Airpoints Dollar for every $220 spent each month
Earn one Status Point for every $225 spent
Free membership to Air New Zealand’s Koru program plus $145 discount off a standard 12-month individual membership
200 Airpoints Dollars advances available
35 days’ overseas travel insurance (exclusions, Ts&Cs apply)
12 months extended warranty insurance (Ts&Cs apply)
90 days purchase protection (Ts&Cs apply)
Up to 44 days interest free

Fees and charges:

$125 annual fee
Joint/additional card: $25 p.a.
Purchase interest rate: 20.95% p.a.
Balance transfers: 5.95% p.a. for life of balance transfer
Cash advance interest rate: 22.95% p.a.

Westpac Airpoints World Mastercard

Features:

Earn one Airpoints Dollar for every $95 spent up to $15,000, then one Airpoints Dollar for every $190 spent each month
Earn one Status Point for every $225 spent
Free membership to Air New Zealand’s Koru program plus $145 discount off a standard 12-month individual membership
Priority Pass lounge access to over 1500 airport lounges globally
Up to 120 days’ overseas travel insurance (exclusions, Ts&Cs apply)
Two complimentary Valet parking eVouchers each year
Access to a wide range of travel experiences with Mastercard Travel Lifestyle Services
200 Airpoints Dollars advances available
12 months extended warranty insurance (Ts&Cs apply)
90 days purchase protection (Ts&Cs apply)
Up to 44 days interest free

Fees and charges:

$310 annual fee (waived if you spend over $50,000 between six-monthly fee charges)
Joint/additional card: $100p.a.
Purchase interest rate: 16.95% p.a.
Balance transfers: 5.95% p.a. for life of balance transfer
Cash advance interest rate: 22.95% p.a.

Compare Rewards Credit Cards

hotpoints Mastercard

Features:

Earn 1 hotpoint for every $1 spent up to $3500, then 0.5 hotpoints for every $1 spent each month
Use hotpoints like cash or to redeem gift products
Up to 55 days interest free

Fees and charges:

$40 annual fee
Joint/additional card: $15 p.a.
Purchase interest rate: 20.95% p.a.
Balance transfers: 5.95% p.a. for life of balance transfer
Cash advance interest rate: 22.95% p.a.

hotpoints Platinum Mastercard

Features:

Earn 1.5 hotpoints for every $1 spent up to $7000, then 1 hotpoint for every $1 spent each month
Use hotpoints like cash or to redeem gift products
Overseas travel insurance for up to 35 days per round trip (exclusions, Ts&Cs apply)
Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services.
12 months extended warranty insurance (Ts&Cs apply)
90 days purchase protection (Ts&Cs apply)
Up to 55 days interest free

Fees and charges:

$70 annual fee
Joint/additional card: $25 p.a.
Purchase interest rate: 20.95% p.a.
Balance transfers: 5.95% p.a. for life of balance transfer
Cash advance interest rate: 22.95% p.a.

hotpoints World Mastercard

Features:

Earn 2 hotpoints for every $1 spent up to $15,000, then 1 hotpoint for every $1 spent each month
Use hotpoints like cash or to redeem gift products
Priority Pass lounge access to over 1500 airport lounges globally
Overseas travel insurance for up to 120 days per round trip (exclusions, Ts&Cs apply)
Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services.
12 months extended warranty insurance (Ts&Cs apply)
90 days purchase protection (Ts&Cs apply)
Up to 44 days interest free

Fees and charges:

$285 annual fee (waived if you spend over $50,000 between six-monthly fee charges)
One free joint/additional card, supplementary cards $100 p.a.
Purchase interest rate: 16.95% p.a.
Balance transfers: 5.95% p.a. for life of balance transfer
Cash advance interest rate: 22.95% p.a.

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