Westpac Credit Cards

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 on the card up to $3500, then 1 Airpoints Dollar for every $300 spent each month
• 50 Airpoints Dollars advance if you’re short on what you need to redeem reward
• 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 on the card up to $7000, then one Airpoints Dollar for every $220 spent each month
• Earn one Status Point for every $225 spent on the card
• Join Air New Zealand’s Koru program and the joining fee will be waived, and receive a $145 discount off a standard 12-month individual membership rate
• 200 Airpoints Dollars advance if you’re short on what you need to redeem reward
• Up to 35 days’ overseas travel insurance (Exclusions, T&Cs apply)
• 12 months extended warranty insurance (T&Cs apply)
• 90 days purchase protection (T&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 on the card up to $15,000, then one Airpoints Dollar for every $190 spent each month
• Earn one Status Point for every $225 spent on the card
• Join Air New Zealand’s Koru programme and the joining fee will be waived, and receive a $145 discount off a standard 12-month individual membership rate
• Priority Pass lounge access to over 1300 airport lounges around the world
• Up to 120 days’ overseas travel insurance (Exclusions, T&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 advance if you’re short on what you need to redeem reward
• 12 months extended warranty insurance (T&Cs apply)
• 90 days purchase protection (T&Cs apply)
• Up to 44 days interest free

Fees and charges:

• $310 annual fee (waived if you spend over $50,000 between 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 on the card up to $3500, then 0.5 hotpoints for every $1 spent each month
• Use hotpoints to reward yourself anywhere Mastercard is accepted
• 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 on the card up to $7000, then 1 hotpoint for every $1 spent each month
• Use hotpoints to reward yourself anywhere Mastercard is accepted
• Overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you can take each year (Exclusions, T&Cs apply)
• Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services.
• 12 months extended warranty insurance (T&Cs apply)
• 90 days purchase protection (T&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 on the card up to $15,000, then 1 hotpoint  for every $1 spent each month
• Use hotpoints to reward yourself anywhere Mastercard is accepted
• Priority Pass lounge access to over 1300 airport lounges around the world.
• Overseas travel insurance for up to 120 days per round trip, with no limit to the number of trips you can take each year (Exclusions, T&Cs apply)
• Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services.
• 12 months extended warranty insurance (T&Cs apply)
• 90 days purchase protection (T&Cs apply)
• Up to 44 days interest free

Fees and charges:

• $285 annual fee (waived if you spend over $50,000 between 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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