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Westpac MasterCard with Hot Points

Product description

Our low fee credit card account with up to 55 days interest free credit and the ability to make the most of your spending by earning hotpoints credit card rewards.

Receive these credit card services and benefits

up to 55 days interest free credit on purchases

special interest rate on balances transferred from another bank’s credit card

enrol in hotpoints and earn credit card rewards and earn credit card rewards for every dollar you spend

increased card security with an embedded microchip

access your credit card and other Westpac accounts at ATMs and EFTPOS outlets

manage your credit card account online anytime with Westpac Online Banking

flexible credit card payment options – just meet the minimum payment amount each month, or pay your balance in full

special deals for 18-24 year olds

your MasterCard gives you worldwide acceptance at over 30 million locations

joint/additional card available from only $15 per year.

Product details
Card TypeCredit
Purchase Rate19.95%
Annual Fee$44
FeaturesInterest Free Days
Rewards Program
Interest Free Days55
Balance Transfer Rate5.95%
Balance Transfer Term
Reward Points per Dollar1
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

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

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