Westpac Hotpoints MasterCard Credit Card

Main Features

• Purchase Rate: 20.95% p.a.
• Cash Advance Rate: 22.95% p.a.
• Balance Transfer: 0% for 6 months then 5.95% for life of balance transferred
• Annual Fee: $40 p.a.
• Interest Free Days: 55 days
• Minimum Repayment:
• Card Reward Details: 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
• Credit Limit:
• Other Fees:

IMPORTANT NOTE: please review the card details on the provider's website again before applying.

Eligibility:

Your eligibility for this card would depend on a few criteria listed below. When you apply for a Westpac credit card, Westpac would ask you a few questions about the following criterias to determine your eligibility.

• Income
• Expenses
• Debts
• Assets
• Savings
• Investments

**You have to be a New Zealand permanent resident, and have a good credit history to apply for a Westpac Credit Card.

Documents:

In general the following documents are usually required for credit card applications.

Proof of Income

One of the following:

• your most recent payslip or salary notice
• copies of bank statements that show your pay or salary deposits
• a letter from your employer confirming your income
• an Inland Revenue Department (IRD) “summary of earnings” notice.

If you’re self-employed, you must supply:

• signed financial statements for the past two years
• a signed personal Statement of Financial Position
• your personal tax return.

Proof of Identity:

A copy of one or two items from List 1. If you provide only one item from List 1, you must also provide one item from List 2.

List 1:

• Current passport
• New Zealand drivers licence
• 18+ card
• Photo Credit Card

List 2:

• Most recent bank statement
• Debit card
• Credit card
• Community services card
• Club or society card.

Are you interested in a balance transfer? Compare ALL balance transfer credit cards on our Balance Transfer NZ page.

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