Credit Cards

From low rates to high rewards, there’s a Westpac credit card to suit everyone.

Low Rate MasterCard

For a lower rate
With a purchase interest rate of just 13.45% p.a. the Westpac Low Rate MasterCard® can give you more freedom to get that big ticket item or deal with unexpected costs while enjoying the benefit of our low interest rate. Learn more | Apply now

hotpoints MasterCard

For an everyday solution
With our lowest annual fee and the ability to earn hotpoints on your spend, the Westpac hotpoints® MasterCard is a perfect everyday solution that’s always looking to repay you in a huge range of rewards. Learn more | Apply now

Platinum MasterCard

For a bigger reward
At 2 hotpoints per dollar, the Westpac Platinum MasterCard will reward your spend sooner and more often. The extra peace of mind provided by Travel, Purchase Protection and Extended Warranty Insurances means you can worry less and enjoy more of life’s platinum moments. Learn more | Apply now

World MasterCard

For a whole new World
The World MasterCard by Westpac sets a new standard in credit cards for New Zealand. Our fastest earn rate of 3 hotpoints per dollar, airport lounge access, hotel upgrades and an on call concierge service are all part of the World experience for our most travelled customers. Start exploring...

Westpac accepts no responsibility for the availability or content of third party websites. Westpac’s current credit card lending criteria will apply for credit cards and Debit MasterCard Conditions of Use will apply for all Debit MasterCard applications and transfers. Credit Card Conditions of Use for the applicable card will apply. Fees and rates shown are current as at 31 January 2015 but are subject to change. Other charges may apply to some of the transactions and services mentioned – Find out more on our Credit Card fees and rates pages. hotpoints® is a registered trademark of Westpac Banking Corporation. Hotpoints terms and conditions apply. Overseas cash advances and foreign currency fees may apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Westpac accepts no responsibility for the availability or content of third party websites.