Recommended.co.nz | Guide2.co.nz | Voxy.co.nz | Gimme.co.nz
Homepage | login or create an account

Westpac Gold Visa with Hot Points

Product description

Westpac’s best credit card for everyday use, earning more credit card rewards if you travel overseas.

Enrol in hotpoints and earn credit card rewards on merchandise, retail and travel vouchers, Air New Zealand Airpoints Dollars and Westpac KiwiSaver Scheme contributions.

You’ll automatically receive a Westpac hotpoints Gold American Express Card at no extra cost which is linked to your Gold Visa account.

Use your Westpac hotpoints Gold American Express Card to earn 1.75 hotpoints for every $1 you spend on purchases.

Use your Gold Visa card to earn 1.25 hotpoints for every $1 you spend on purchases, and enjoy the convenience of worldwide acceptance at over 25 million locations.

With up to 35 days travel insurance for you per round trip when a minimum of NZ$500 of your travel costs are pre-paid with your Gold credit card, or for travel to Australia and South Pacific Islands, a minimum of NZ$250 of your travel costs must be pre-paid with your Gold credit card.

With up to 35 days travel insurance for your spouse and children traveling with you per round trip when a minimum of NZ$1000 of their travel costs are pre-paid with your Gold credit card, or for travel to Australia and South Pacific Islands, a minimum of NZ$500 of your travel costs must be pre-paid with your Gold credit card within the last 60 days.

Pay for your purchases in full with your Gold credit card to receive 90 consecutive days Purchase Protection Insurance, which covers purchases that are lost, damaged or stolen. Plus up to 12 months extra warranty with Extended Warranty Insurance.

Access to offers from American Express Selects

Product details
InstitutionWestpac
Card TypeCredit
StatusGold
IssuerVisa
Purchase Rate19.95%
Annual Fee$100
FeaturesInterest Free Days
Rewards Program
Interest Free Days55
Balance Transfer Rate5.95%
Balance Transfer Term
Reward Points per Dollar1.25
Lifetime of points36 months
Minimum PaymentThe greater of $5 or 2% of the closing balance of your statement
Late Payment Fee$9
Cash Adv. Rate22.45%
Over Limit Fee$9
Bank ATM Fee$2
Other NZ Bank ATM Fee$2
Teller-Assisted Fee$2
Overseas ATM Withdrawal Fee$8
Overseas ATM Balance$8
Duplicate Statement Fee$5
Replacement Card Fee$15
Additional Card Fee (per card)$15
Apply

Credit Card Comparison TablesCompare Credit Cards - Independent interest rate and fees comparisons for New Zealand banks.

About guide2.co.nz : money

Find the latest money news and 'how to' guides on Guide2Money.

Ask our researchers your personal finance questions.

Your Questions. Independent Answers.