Westpac Credit Cards – Review & Apply for Westpac Credit Cards

Westpac offers the widest range of credit cards in New Zealand ranging from entry-level credit cards to platinum cards.

We’ve compiled a list of Westpac Credit Cards to provide transparent and clear information about Westpac Credit Cards to help you choose the best credit card to suit your needs. You may also like to consider other credit cards available on our website.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply.

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*Terms and conditions apply

Updated: 6 Jul, 2025

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Westpac Business Mastercard Credit Card Gold Award (Business)	The Westpac Business Mastercard Card is a basic business credit card with no rewards or special benefits. It charges an annual fee of $50 and full payment of all outstanding monthly balance is required to be paid by direct debit by the due date.	N/A	N/A	22.95%	$50.00	N/A More Info » Apply Now »
Westpac Fee Free MasterCard Credit Card Platinum Award (Personal)	Comes with a low rate of just 12.90% p.a. plus 5.95% p.a. for the life of the balance transferred to this card. it also comes with no annual fee, no cash advance fee and no foreign transaction fees.	12.90% p.a.	5.95% for life of balance transferred	19.95% p.a.	$0.00	55 days More Info » Apply Now »
Westpac Hotpoints World MasterCard Credit Card Gold Award (Personal)	Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^.	16.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$285.00	44 days More Info » Apply Now »
Westpac Airpoints World MasterCard Credit Card Gold Award (Personal)	This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 5.95% for life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^.	16.95%	5.95% for life of balance transferred	22.95%	$310.00	44 days More Info » Apply Now »
Westpac Hotpoints MasterCard Credit Card Gold Award (Personal)	Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.55 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.27 cash equivalent (for over $3,500 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$40.00	55 days More Info » Apply Now »
Westpac Hotpoints Platinum MasterCard Credit Card Gold Award (Personal)	Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints MasterCard Credit Card 3.5/5 Stars (Personal)	Earn 1 Airpoints Dollar for every $150 spent on eligible purchases on your card up to (and including) $3,500 then 1 Airpoints Dollar for every $300 spent on your card each month. plus 5.95% p.a. for the life of the balance transferred to this card. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.33 cash equivalent (for over $3,500 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$70.00	55 days More Info » Apply Now »
Westpac Airpoints Platinum MasterCard Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 5.95% for the life of the balance transferred. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.45 cash equivalent (for over $7,000 spend)^.	20.95% p.a.	5.95% for life of balance transferred	22.95% p.a.	$125.00	44 days More Info » Apply Now »
Westpac Airpoints Business Mastercard Credit Card Gold Award (Business)	The Westpac Airpoints Business Mastercard is a business rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 on eligible business spend, plus it comes with other benefits such as Up to 35 days of overseas travel insurance, purchase protection of up to 90 days, discount on 12-month Air New Zealand koru membership, extended warranty on purchases, and you earn one Status Point for every $225 you spend on eligible purchases.	20.95%	N/A	22.95%	$145.00	44 days More Info » Apply Now »
Westpac BusinessPLUS Mastercard with Hotpoints Gold Award (Business)	The Westpac BusinessPLUS Mastercard with Hotpoints credit card is a business rewards credit card that allows you to earn 1.25 hotpoints® for every $1 of business spend but also comes with other benefits such as Up to 35 days of overseas travel insurance and purchase protection of up to 90 days, and extended warranty on purchases.	20.95%	5.95%	22.95%	$100.00	55 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply.

More Info »

*Terms and conditions apply

About Westpac Credit Cards

Westpac offers a wide range of credit cards including low rate credit cards, rewards credit cards, balance transfer credit cards, airpoints credit cards and more. Use the credit card comparison table below to compare and find the best Westpac credit card to suit your needs.

To apply for a Westpac credit card, simply click on the “Apply Now” button to review the details before applying. For more information about a specific card on our site, click on the “more info” link.

Use the links below to narrow down your search. Alternatively, you can use our credit card finder tool to search for the best credit card to suit your needs.

Quick Links

• Westpac Balance Transfer Credit Cards
• Westpac Low Interest rate Credit Cards
• Westpac Rewards Credit Cards
• Westpac No-annual Fee Credit Cards

History of Westpac New Zealand

Early Beginnings in 1861

Westpac New Zealand has a rich history dating back to 1861, when it first began operations to serve the burgeoning needs of the Otago goldfields. As New Zealand grew, so did Westpac, evolving to meet the financial needs of its customers.

Major Milestones

Over the years, Westpac New Zealand has achieved several significant milestones:

• 1861: Established to serve the Otago goldfields.
• 2006: Westpac maintained two registered banks in New Zealand to comply with Reserve Bank of New Zealand (RBNZ) policy.
• Present: Westpac New Zealand is a subsidiary of Westpac New Zealand Group Ltd, which is itself a subsidiary of Westpac Banking Corp.

Recent Developments

In recent years, Westpac New Zealand has continued to innovate and expand its services. The bank now serves over 1.5 million customers and employs more than 4,000 staff. It offers a comprehensive range of financial services, including personal, business, and agribusiness banking.

Banking Services Offered by Westpac New Zealand

Personal Banking

Westpac New Zealand offers a comprehensive range of personal banking services designed to meet your financial needs. These services include:

• Savings and Transaction Accounts: Various account options to help you manage your money efficiently.
• Home Loans: Flexible mortgage solutions to help you purchase or refinance your home.
• Personal Loans: Unsecured and secured loans for various personal needs.
• Credit Cards: A variety of credit card options with different benefits and rewards.
• Insurance: Coverage options including home, car, and travel insurance.
• Investment Services: Opportunities to grow your wealth through various investment products.

Business Banking

Westpac New Zealand provides tailored banking solutions to support your business operations. Key services include:

• Business Accounts: Accounts designed to manage your business finances effectively.
• Business Loans: Financing options to help you grow your business.
• Merchant Services: Payment solutions to facilitate smooth transactions with your customers.
• Corporate and Structured Finance: Specialised financial services for larger businesses and corporations.
• Foreign Exchange Services: Solutions to manage your international transactions and currency risks.

Agribusiness Banking

Westpac New Zealand understands the unique needs of the agricultural sector and offers specialised banking services to support agribusinesses. These services include:

• Agribusiness Loans: Financing options tailored for the agricultural industry.
• Rural Accounts: Accounts designed to meet the specific needs of farmers and rural businesses.
• Equipment Finance: Solutions to help you acquire essential farming equipment.
• Succession Planning: Services to assist with the smooth transition of your agribusiness to the next generation.
• Economic Research: Insights and analysis to help you make informed decisions in the agricultural sector.

How to Apply for Westpac Credit Cards

Applying for a Westpac credit card is a straightforward process. Follow these steps to get started:

1. Choose Your Card: Review the different types of credit cards and select the one that best fits your needs.
2. Check Eligibility: Ensure you meet the eligibility criteria, including age, income, and credit history requirements.
3. Submit Application: Complete the online application form with your personal and financial details.
4. Await Approval: Westpac will review your application and notify you of the outcome.

Westpac New Zealand’s Corporate Structure

Subsidiaries and Affiliates

Westpac New Zealand Limited (WNZL) is a locally incorporated subsidiary of Westpac Banking Corporation. WNZL comprises consumer, business, and institutional banking operations in New Zealand. Additionally, there is the Westpac Banking Corporation New Zealand Branch (NZ Branch), which is a branch of Westpac Banking Corporation.

Corporate Governance

Westpac New Zealand adheres to stringent corporate governance practices to ensure transparency, accountability, and integrity in all its operations. The governance framework includes:

1. Board of Directors: Responsible for the overall governance and strategic direction of the bank.
2. Audit Committee: Oversees financial reporting and disclosure.
3. Risk Committee: Manages and mitigates risks associated with the bank’s operations.
4. Remuneration Committee: Ensures fair and responsible remuneration practices.

These structures and committees are in place to ensure that Westpac New Zealand operates in a manner that is ethical and in the best interests of its stakeholders.

Westpac New Zealand’s Financial Performance

Annual Reports

Westpac New Zealand Limited regularly publishes its annual reports, which provide a comprehensive overview of its financial health and operational achievements. These reports are essential for stakeholders to understand the bank’s performance over the fiscal year. You can access these reports on the official Westpac New Zealand website under the Investor Centre section.

Key Financial Metrics

Westpac New Zealand Ltd (Westpac NZ) tracks several key financial metrics to gauge its performance. These metrics include:

• Net Profit After Tax (NPAT): A critical measure of profitability.
• Return on Equity (ROE): Indicates how effectively the bank is using its equity to generate profit.
• Cost-to-Income Ratio: Helps in understanding the bank’s efficiency.
• Loan-to-Deposit Ratio: Reflects the bank’s liquidity and lending practices.

These metrics are regularly updated and can be found in the bank’s financial statements and annual reports.

Investor Relations

Westpac New Zealand maintains a robust investor relations program to keep its investors informed and engaged. The Investor Centre on the Westpac New Zealand website provides a wealth of information, including:

1. Financial Statements: Detailed reports on the bank’s financial performance.
2. Shareholder Information: Essential details for current and prospective shareholders.
3. Corporate Announcements: Updates on significant corporate actions and financial results.
4. Economic Research: Insights and analyses that impact the financial markets and the bank’s performance.

Frequently Asked Questions

What is Westpac New Zealand Ltd?

Westpac New Zealand Ltd (Westpac NZ) is a subsidiary of Westpac New Zealand Group Ltd, which is in turn a subsidiary of Westpac Banking Corp. It provides consumer, business, and institutional banking services to corporate, institutional, and government entities in New Zealand.

When did Westpac start operating in New Zealand?

Westpac has been operating in New Zealand since 1861.

What types of banking services does Westpac New Zealand offer?

Westpac New Zealand offers personal, business, and agribusiness banking services. It also provides financial services for property finance, agricultural, institutional, and government customers.

Where is the head office of Westpac New Zealand located?

The head office of Westpac New Zealand is located at Level 1, Westpac on Takutai Square, 16 Takutai Square, Auckland 1010.

How many customers does Westpac New Zealand serve?

Westpac New Zealand serves more than 1.5 million customers.