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Cards terms, fees & rates.
Terms, rates and fees for our credit cards, debit cards, EFTPOS and prepaid cards.
Terms.
Transaction and service fees.
Fees by product.
Fee Free Mastercard.
Fees.
Fees on this page are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee | $0 | |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Joint/additional card | $0 | |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee | $0 |
Airpoints Mastercard.
Fees.
Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee $70 per year paid in advance in two six-monthly instalments of $35. | $70 | Per year |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Joint/additional card paid in advance in two six-monthly instalments of $7.50 | $15 | Per year |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee Charged where you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. Is also charged when you make online purchases in a foreign currency and when accessing your transaction, savings or revolving credit account with your Westpac credit card from overseas. | 1.95% | Of transaction amount |
Airpoints Platinum Mastercard.
Fees.
Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee $125 per year paid in advance in two six-monthly instalments of $62.50. | $125 | Per year |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Joint/additional card paid in advance in two six-monthly instalments of $12.50 | $25 | Per year |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee Charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. Is also charged when you make online purchases in a foreign currency and when accessing your transaction, savings or revolving credit account with your Westpac credit card from overseas. | 1.95% | Of transaction amount |
Airpoints World Mastercard.
Fees.
Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee $310 per year paid in advance in two six-monthly instalments of $155. This is refunded when you spend $50,000 or more in the previous six-monthly period. | $310 | Per year |
| Joint/additional card paid in advance in two six-monthly instalments of $50 | $100 | Per year |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee Charged where you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. Is also charged when you make online purchases in a foreign currency and when accessing your transaction, savings or revolving credit account with your Westpac credit card from overseas. | 1.95% | Of transaction amount |
hotpoints Mastercard.
Fees.
Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee | $40 | Per year |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Joint/additional card | $15 | Per year |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee Charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. Is also charged when you make online purchases in a foreign currency and when accessing your transaction, savings or revolving credit account with your Westpac credit card from overseas. | 1.95% | Of transaction amount |
hotpoints Platinum Mastercard.
Fees.
Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee $70 per year paid in advance in two six-monthly instalments of $35. | $70 | Per year |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Joint/additional card paid in advance in two six-monthly instalments of $12.50 | $25 | Per year |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee Charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. Is also charged when you make online purchases in a foreign currency and when accessing your transaction, savings or revolving credit account with your Westpac credit card from overseas. | 1.95% | Of transaction amount |
hotpoints World Mastercard.
Fees.
Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee type | Fee amount | Frequency |
| Annual account fee $285 per year paid in advance in two six-monthly instalments of $142.50. This is refunded when you spend $50,000 or more in the previous six-monthly period. | $285 | Per year |
| Joint/additional card Your first joint or additional card is free. Supplementary cards are $100 per year ($50 paid in advance in two six-monthly instalments). | $0 | |
| Cash advance in NZ - using an ATM | $0 | |
| Cash advance in NZ - at other bank ATMs | $0 | |
| Cash advance overseas - using other ATMs or at bank branches An ATM service fee may be charged by the ATM provider. | $0 | Per transaction |
| Replacement card Plus courier delivery costs where applicable. | $0 | Per card |
| Foreign currency fee Charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. Is also charged when you make online purchases in a foreign currency and when accessing your transaction, savings or revolving credit account with your Westpac credit card from overseas. | 1.95% | Of transaction amount |
Credit card interest rates.
Interest rates are subject to change without notice.
| Purchase rates | Rate |
| Fee Free Mastercard® | 12.90% p.a. |
| Westpac Airpoints™ Mastercard® | 20.95% p.a. |
| Westpac Airpoints™ Platinum Mastercard® | 20.95% p.a. |
| Westpac Airpoints™ World Mastercard® | 16.95% p.a. |
| hotpoints® Mastercard® | 20.95% p.a. |
| hotpoints® Platinum Mastercard® | 20.95% p.a. |
| hotpoints® World Mastercard® | 16.95% p.a. |
| Cash advance rates | Rate |
| Fee Free Mastercard® | 19.95% p.a. |
| Westpac Airpoints™ Mastercard® | 22.95% p.a. |
| Westpac Airpoints™ Platinum Mastercard® | 22.95% p.a. |
| Westpac Airpoints™ World Mastercard® | 22.95% p.a. |
| hotpoints® Mastercard® | 22.95% p.a. |
| hotpoints® Platinum Mastercard® | 22.95% p.a. |
| hotpoints® World Mastercard® | 22.95% p.a. |
EFTPOS & debit cards - Fees.
| Fee type | Fee amount |
| Westpac ATM/Eftpos card annual fee | Free |
| Westpac Debit Mastercard annual fee3 | $10 per card |
| Airpoints Debit Mastercard annual fee3 | $15 per card |
| Additional Westpac ATM/EFTPOS card | Free |
| Replacement card | $10 per card |
| Courier delivery in New Zealand/Overseas | Courier costs apply |
| Foreign currency fee1 | 1.95% of transaction amount |
| Using an ATM overseas - cash withdrawal2 | $3 per transaction |
| Using an ATM overseas - balance enquiry2 | 60c per transaction |
| Using an ATM overseas - overseas declined transaction2 | 60c per transaction |
1 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.
2 These fees do not apply if you use your Westpac card in an ATM belonging to a member of the Global ATM Alliance. The fee saving is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to Transaction and Service fees brochure for details.
3 Fee exemptions
The annual fee is waived for:
- Customers 19 years and over (fee waived for the first year)
- Customers under 19 years
- Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
- SuperGold Card holders (fee waived for the first year).
Things you should know.
Hotpoints terms and conditions apply. Rewards and reward vouchers are subject to availability and may be withdrawn or substituted at any time. Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time. hotpoints® and hotpoints Pay® are a registered trademarks of Westpac Banking Corporation.
Airpoints terms and conditions apply. You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints Dollars.
Credit Card Terms and Conditions
Eligibility criteria, lending criteria, terms and conditions apply. See:
Westpac Credit Card Conditions of Use
Transaction and Service Fees brochure
Interest rates and fees subject to change. If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.