Westpac Credit Cards. › assets › Personal › Your-Money-and... · 2020-05-01 · 4 Choosing a credit card. Westpac offers a great range of credit cards. From low interest rates

Westpac Credit Cards.There’s a credit card to suit everyone.

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What do you get with a Westpac credit card? 3

Choosing a credit card 4

hotpoints® 6

Airpoints™ 7

World Mastercard® 8

CardGuard® 10

Westpac Pay and Apple Pay® 11

Which Westpac credit card is right for you? 12

How to apply 17

Contents.

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What do you get with a Westpac credit card?Westpac credit cards come loaded with lots of extras.

– get up to 55 days interest-free credit on purchases

– the choice to earn hotpoints® or Airpoints Dollars™ with youreveryday shopping1

– contactless technology for fast and convenient payments (under the local country limit2) on the go with Mastercard® contactless

– the option of making easy, flexible repayments

– bank when it suits you and manage all your Westpac accounts online

– link your other Westpac accounts to your Mastercard credit card account so you can access them at the check out and ATMs

– friendly staff in every branch, or available on the phone to help

Plus many more, just turn the page to find out.

1Not available with the Low Rate Mastercard®. Certain purchases and transactions are not eligible to earn hotpoints, Airpoints Dollars™ or Status Points - see the back page for details.2For local country limit amount visit westpac.co.nz/contactlesslimit

Handy TipOnce you have opened a Westpac credit card account you’ll need to select a PIN for your card by visiting a Westpac branch and providing two forms of suitable identification, one with photo and signature (e.g. your New Zealand driver licence or passport). For a full list of suitable ID see westpac.co.nz/aml.

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Choosing a credit card.Westpac offers a great range of credit cards. From low interest rates to high rewards, there’s a Westpac credit card to suit everybody. Browse through the options to see which card best suits you.

Choose a Westpac credit card to suit your lifestyle.

A low rate credit card that provides financial flexibility.

If you’re not paying off your balance in full each month, it could be a good idea to help keep your interest costs down with a low interest rate credit card. Simple as that.

Low fee credit cards that reward you.

The Westpac hotpoints Mastercard® and Westpac Airpoints™ Mastercard® can also earn you rewards with every dollar you spend1.

1 Certain purchases and transactions are not eligible to earn hotpoints, Airpoints Dollars™ or Status Points - see back page for details.

2 Terms, conditions, exclusions and eligibility criteria apply to insurance cover. A minimum spend applies for different travel regions under the Westpac Airpoints™ and hotpoints Platinum Mastercards, Airpoints™ Business and BusinessPLUS Mastercards, hotpoints World Mastercard®, and for business related travel under the Westpac Airpoints™ and hotpoints World Mastercard®. Please see the applicable insurance policy document for details. The availability of insurance is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Westpac Overseas Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance New Zealand Limited (AIG). Westpac does not guarantee the obligations of, or any products issued by AIG. Westpac will receive commission payments as a result of the arrangement of insurance products.

Low rate

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* You will be personally responsible for all credit extended by Westpac under a BusinessPLUS Mastercard® or an Airpoints™ Business Mastercard®, irrespective of whether a businessname appears on the card.

BusinessPLUS

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Premium credit cards that reward you more.

These cards will earn you more rewards for every dollar you spend¹, plus you’ll get access to great benefits like purchase protection and overseas travel insurance².

Exclusive World Mastercard® with exceptional benefits.

Enjoy exclusive privileges, highly competitive earn rates together with premium offers and up to 120 days’ overseas travel insurance2. A credit card that complements the demands of an international lifestyle.

Earn on your business spend with a Westpac Business Mastercard®.

Benefit from the Business Mastercard that can earn Airpoints™ and keep your personal and business expenses separate with hotpoints rewards* on the BusinessPLUS Mastercard®.

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hotpoints®.Earn hotpoints.

Love rewards? Then you’re going to really love our hotpoints rewards programme. When you make a purchase on your Westpac hotpoints credit card, you’ll earn hotpoints for every dollar you spend1. These points can then be redeemed for a vast range of rewards, from merchandise to travel and more.

A big range of merchandise.

Redeem your hotpoints for all sorts of great rewards. Check them out at hotpoints.co.nz

A variety of vouchers.

For greater choice, you can also redeem your hotpoints for vouchers from hundreds of New Zealand’s leading retailers and some overseas ones too.

More travel choices.

With hotpoints, there are lots of ways to use your points for travel. You can use hotpoints to pay for flights at Flight Centre, redeem your hotpoints for travel vouchers or convert them into hotpoints Holiday Credits.

The chance to donate.

If you’re feeling generous you can donate your hotpoints to charity, or pass them on to your friends and family.

Points + Pay.If you don’t have enough hotpoints to get your next reward, you can use your Westpac hotpoints credit card to top up the remainder of the balance, or alternatively pay for the reward in full.

Check out hotpoints.co.nz to see the full range of rewards.

1Certain purchases and transactions are not eligible to earn hotpoints - see the back page for details.

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Airpoints™.Earn Airpoints Dollars.

When you use a Westpac Airpoints credit card to make a purchase¹, you earn Airpoints Dollars. Each Airpoints Dollar you earn is equivalent to one New Zealand dollar, so it’s easy to understand the value of your Airpoints balance.

How can you spend your Airpoints Dollars?

Domestic and international flights.

You can use your Airpoints Dollars to buy any available seat on any Air New Zealand ticketed and operated flight, and many flights with Star Alliance™ partners.

Upgrades and Koru membership.

You can use your Airpoints Dollars to make your travel more comfortable. You have the option to use your Airpoints Dollars to purchase seat upgrades to travel the way you like, or to enjoy the benefits of Koru membership and relax or get some work done before you fly.

Airpoints™ Store.

Treat yourself with a reward from the online Airpoints Store. Use your Airpoints Dollars on a wide range of great rewards that you’ll love (and a few you’d never expect).

Earn Status Points too.

If you choose our Westpac Airpoints Platinum, World or Business Mastercard® you will also earn Status Points1. This means your spending will bring you closer to the next status tier and even more benefits and privileges.

Check out airnewzealand.co.nz/airpoints for more.

1 Certain purchases and transactions are not eligible to earn Airpoints Dollars or Status Points - see the back page for details.

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AIRPOINTSNUMBER

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World Mastercard®.The Westpac hotpoints World Mastercard® and Westpac Airpoints™ World Mastercard® are New Zealand’s premier credit card accounts designed exclusively for our Westpac clients. For these cards, we’ve carefully collated a special collection of benefits, offers and experiences, which perfectly complement the demands of a successful lifestyle.

Fee waiver.

Spend $50,000 or more in a 6 month period and we’ll waive your next 6 monthly account fee ($195).

Earning power.

With a hotpoints World Mastercard you can earn 3 hotpoints for every dollar spent on the card1. On your Airpoints™ World Mastercard, you can earn 1 Airpoints Dollar™ for every $65 spent on the card1.

Airport Lounge Access.

With your World Mastercard you receive complimentary access to over 1,000 airport lounges around the world with Priority Pass2. With an Airpoints World Mastercard, you’ll also get the $255 Koru membership joining fee waived plus a $145 discount off the standard 12 month Koru individual membership3.

Car rental upgrades.

Enjoy a one-car-class upgrade when you book a rental car with Hertz with your Westpac World Mastercard 4.

World Mastercard Privileged Access Programme.Enjoy the very best the world has to offer with access to an exclusive range of specially selected travel, shopping and dining experiences from across the globe5.

Overseas Travel Insurance6.

Receive up to 120 days’ per round trip of overseas travel insurance when you use your Westpac hotpoints World Mastercard to purchase a portion of your travel or if you hold a current and valid Airpoints World Mastercard at the time of purchasing your travel.

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Before you travel, call AIG on 0800 465 322 or visit travelactivate.co.nz/westpac to make sure you’re covered. Check out the policy document available online at westpac.co.nz for more details.

Extended Warranty Insurance6.Get covered for longer with an extension of up to 12 months on the manufacturer’s New Zealand warranty on goods purchased in full with your Westpac World Mastercard.

1Certain purchases and transactions are not eligible to earn hotpoints, Airpoints Dollars™ or Status Points - see the back page for details.2 Priority Pass Terms and Conditions apply (prioritypass.com/Conditions-of-use.cfm). Airline, airport and other travel industry employees or contractors may not be eligible for access.

3 May only be used in conjunction with Koru Individual Memberships. Koru terms and conditions apply visit airnewzealand.co.nz. Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.

4 Hertz terms and conditions apply. For details, visit hertz.co.nz/rentacar/membership/enrollment5 World Mastercard Privileged Access Program terms and conditions apply. See worldcard.mastercard.com for details.

6 World Mastercard® Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Minimum spend required for business travel. Please see the Westpac hotpoints and Airpoints™ World Mastercard® insurance policy document for details. Westpac hotpoints and Airpoints™ World Mastercard Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance New Zealand Limited (AIG). Westpac does not guarantee the obligations of, or any products issued by AIG. Westpac will receive commission payments as a result of the arrangement of insurance products.

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1 Excluding Westpac Mastercard BusinessCard/Purchasing Card.2 Provided you notify us as soon as possible, have not acted fraudulently or negligently and

have complied with the card’s Conditions of Use.

CardGuard®.We’ve got you covered.

With CardGuard, all Westpac credit cards1 are protected 24/7 from fraudulent activity 2. So you can use your card anywhere, anytime and leave your worries behind.

CardGuard protects all Westpac credit and debit cards1 as well as Westpac PayTag®. What’s more, CardGuard is free, which means you can enjoy round-the-clock protection from fraudulent activity and unauthorised transactions at no extra cost2.

The idea of being a victim of credit or debit card fraud can worry even the most tech-savvy person, so here’s how you’re protected:

– Zero liability protection2

– Proactive risk management

– Text and email alerts that you can set up to help you keep track of your online banking activity

– Temporarily block and unblock your card instantly in Westpac One if it’s been misplaced

– Embedded microchips in all Westpac credit cards

– Westpac Online Guardian

– MasterPass™

For more information on CardGuard see westpac.co.nz/cardguard.

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Westpac Pay and Apple Pay®.Free up a hand, pay the easy way.

Enjoy all the benefits of your Westpac credit or debit Mastercard® with Apple Pay on iPhone, Apple Watch, iPad and Mac, or Westpac Pay on your Android devices.

Apple Pay* and Westpac Pay* let you use your phone like a contactless card wherever contactless payments are accepted. To add your card to Apple Pay simply open the Wallet app on your iPhone and tap the ‘+’. For Westpac Pay, download the app from the Google Play Store app and follow the set up process.

For more information, visit westpac.co.nz/bank-accounts/ways-to-pay/

*Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, Prepaid and Global Currency cards. Customers require a compatible device.

All of our credit cards have the convenience of contactless payment and are protected by Westpac CardGuard®*. Find out which one might work best for you with this handy table.

Which Westpac credit card is right for you?

Low rate

MONTH/YEAR

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BusinessPLUS

MONTH/YEAR

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AIRPOINTSNUMBER

5402 MONTH/YEAR

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5402 MONTH/YEAR

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Low Rate Mastercard®

Our lowest interest rate credit card can help you keep costs

down on borrowing.

hotpoints Mastercard®

Be rewarded for everyday spend with hotpoints.

hotpoints Platinum Mastercard®

Get higher hotpoints earning power with access to a whole range of additional benefits.

hotpoints World Mastercard®

Enjoy exclusive privileges, premium offers and our highest hotpoints earn rate to fast-track

your rewards.

hotpoints BusinessPLUS Mastercard®

Keep your personal and business expenses separate6,

with the added benefit of hotpoints rewards.

Airpoints™ Mastercard®

Kick-start your Airpoints Dollars™ earning power

while enjoying a low annual account fee.

Airpoints™ Platinum Mastercard®

Impressive Airpoints Dollars™ earning power with access to a

range of additional benefits.

Airpoints™ World Mastercard®

Our premier card with exclusive privileges

and our highest Airpoints Dollars™ earn rate.

Airpoints™ Business Mastercard®

A business card6 with flexibility of payments, Airpoints™ rewards

and great benefits for your business.

$25 p.a.Annual Account Fee1

13.45 Purchase Interest Rate

$44 p.a.Annual Account Fee
















Joint or additional card = $5 Joint or additional card = $15 Joint or additional card = $25 First joint or additional card is free Supplementary cards = $100 per year

Joint or additional card = $25 Joint or additional card = $15 Joint or additional card = $25 Joint or additional card = $100 per year Joint or additional card = $25

Reward Earn Rate2 Reward Earn Rate2 Reward Earn Rate2 Reward Earn Rate2 Reward Earn Rate2 Reward Earn Rate2 Reward Earn Rate2 Reward Earn Rate2

hotpoints

$1 spent = 1 hotpoints



$1 spent = 1.25 Airpoints Dollars

$120 NZD spent = 1Airpoints Dollars

$75 NZD spent = 1Status Points Rewards$225 spent = 1

Airpoints Dollars


Airpoints Dollars


✓ Up to 55 days interest free on purchases✓ Our lowest interest rate card

✓ Low annual account fee✓ Up to 55 days interest free

on purchases✓ Great range of hotpoints rewards

✓ Up to 35 days overseas travel insurance3

✓ On call Home Assist Service4

✓ Extended Warranty/Purchase Protection insurance3

✓ Great range of hotpoints rewards



✓ Priority Pass lounge access5

✓ On call Concierge Service✓ Spend $50,000 or more in

a 6 month period and your next 6 monthly account fee will be waived ($195)



✓ Add an additional or joint card for a business partner or employee (up to 5)

✓ Great range of rewards

✓ Low annual account fee ✓ Up to 55 days interest free

on purchases✓ 50 Advance available7


✓ Extended Warranty / Purchase Protection Insurance3

✓ 200 Advance available7

✓ Airpoints Dollars don’t expire as long as you’re a cardholder7

✓ Koru membership joining fee waived (save $225)8

✓ $145 discount on annual Koru membership fee8

✓ On call Concierge Service4



✓ Priority Pass lounge access5

✓ 200 Advance available7

✓ Airpoints Dollars don’t expire as long as you’re a cardholder7



✓ On call Concierge Service4

✓ Spend $50,000 or more in a 6 month period and your next 6 month fee will be waived ($195)





✓ Add an additional or joint card for a business partner or employee (up to 5)

* Provided you notify us as soon as possible, have not acted fraudulently or negligently and have complied with the card’s Conditions of Use. Excludes Westpac Mastercard BusinessCard/Purchasing Card.

1Annual account fee to be made in two instalments, paid six monthly.2 Certain purchase and transactions are not eligible to earn hotpoints, Airpoints Dollars™ or Status Points – see the back page for details.

3 Terms, conditions, exclusions and eligibility criteria apply to insurance cover. A minimum spend applies for different travel regions under the Westpac Airpoints™ and hotpoints

Platinum Mastercards, Airpoints™ Business and BusinessPLUS Mastercards, hotpoints World Mastercard®, and for business related travel under the Westpac Airpoints™ and hotpoints World Mastercard®. Please see applicable policy document for details. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Westpac Overseas Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance New Zealand Limited (“AIG”), Westpac does not guarantee the obligations of, or any products issued, by AIG. Westpac will receive commission payments as a result of the arrangement of insurance products.

4Any cost incurred by using the concierge or Home Assist services are at the cardholders’ expense.5 Priority Pass Terms and Conditions apply. Airline, airports and other travel industry employees or contractors may not be eligible for access.

6 You will be personally responsible for all credit extended by Westpac under a BusinessPLUS Mastercard® and Westpac Airpoints™ Business Mastercard®, irrespective of whether a business name appears on the card.

7 Airpoints Terms and Conditions Apply. For details on Airpoints Dollars Advance and Airpoints Dollars expiry see airnewzealand.co.nz/airpoints.

8 May only be used in conjunction with Koru Individual Memberships. Koru terms and conditions apply – see airnewzealand.co.nz/airpoints Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.

How to apply.It’s easy to apply for a Westpac credit card, simply go online at westpac.co.nz/credit-cards.

Terms and Conditions.The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the Westpac Credit Card Conditions of Use for the applicable card for full details): fees and interest; balance transfers; credit card repayment insurance; purchases of Airpoints Dollars using Airpoints Advance facilities; gambling transactions (including online gambling); cash advances or withdrawals made from ATMs or over the counter at a bank; money orders, travellers cheques and foreign currencies in cash; any transaction that is reversed, refunded or charged back; transactions on any nominated account(s) linked to your Westpac Airpoints™ credit card other than your Westpac Airpoints credit card account; and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints™ Business Mastercard®. Status Points earned on applicable credit cards only.The following purchases and transactions do not earn hotpoints: cash advances, charges, interest, gambling transactions (including online gambling), business expenditure (excluding transactions made on a BusinessPLUS Mastercard), balance transfers, transactions on your nominated account(s) linked to your credit card, any transaction that is reversed, refunded or charged back.Westpac’s current credit card lending and criteria apply to all applications and transfers. Credit Card Conditions of Use will apply. The Westpac PayTag terms and conditions apply.You will be personally responsible for all credit extended by Westpac under a BusinessPLUS Mastercard® and Westpac Airpoints™ Business Mastercard®, irrespective of whether a business name appears on the card. Any service benefits associated with the use of your Westpac Airpoints™ World Mastercard® that are provided by a third party supplier may be withdrawn by Westpac at any time. Westpac will not be responsible for the quality or suitability of any of the goods or services provided.You must be a member of Air New Zealand’s Airpoints programme to be eligible to earn Airpoints. Airpoints terms and conditions apply – see airnewzealand.co.nz/airpoints-terms-and-conditions for details.hotpoints terms and conditions apply. Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

72273WP-31 09-19Westpac New Zealand Limited.

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Westpac Credit Cards. › assets › Personal › Your-Money-and... · 2020-05-01 · 4 Choosing a credit card. Westpac offers a great range of credit cards. From low interest rates