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Westpac Titanium MasterCard

Product description

Your Westpac Titanium Mastercard and Westpac hotpoints Premium American Express Card give you more benefits and services, greater credit card rewards and flexibility.

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

Once you've enrolled in hotpoints you’ll automatically receive a Westpac hotpoints Premium American Express Card at no extra cost which is linked to your Titanium MasterCard account.

Use your Westpac hotpoints Premium American Express Card to earn 2 hotpoints for every $1 you spend on purchases.

Use your Titanium MasterCard card to earn 1.5 hotpoints for every $1 you spend on purchases, and enjoy the convenience of worldwide acceptance at over 27 million locations.

You'll receive a six-monthly account and hotpoints $145 fee waiver when you spend $30,000 on purchases in a six-month period on your Titanium MasterCard and Westpac hotpoints Premium American Express Card.

You'll also receive a MasterCard SideCard which is a mini version of your Titanium MasterCard that allows you to keep your main card number secret and you can keep using your main Titanium MasterCard if your SideCard is lost or stolen.

24-hour concierge service
Home Assist service

With up to 120 days travel insurance for you per round trip when a minimum of NZ$500 of your travel costs are pre-paid with your Titanium MasterCard, or for travel to Australia and South Pacific Islands, a minimum of NZ$250 of your travel costs must be pre-paid with your Titanium MasterCard.

With up to 120 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 Titanium MasterCard, or for travel to Australia and South Pacific Islands, a minimum of NZ$500 of your travel costs must be pre-paid with your Titanium MasterCard within the last 60 days.

Pay for your purchases in full with your Titanium MasterCard 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.

Product details
InstitutionWestpac
Card TypeCredit
StatusPlatinum
IssuerMasterCard
Purchase Rate15.65%
Annual Fee$290
FeaturesInterest Free Days
Rewards Program
Interest Free Days55
Balance Transfer Rate5.95%
Balance Transfer Term
Reward Points per Dollar1.5
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
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