Review Westpac hotpoints World MasterCard Credit Card

Main Features

• Purchase Rate: 16.95%
• Cash Advance Rate: 22.95%
• Balance Transfer: 5.95% for the life of the balance transferred
• Annual Fee: $390 p.a. paid in two 6-monthly instalments of $195
• Interest Free Days: 55 days
• Minimum Repayment:
• Card Reward Details: Earn 3 hotpoints® for every $1 spent on the card
• Credit Limit: Minimum credit limit of $18,000
• Other Fees:

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

You have to be a New Zealand citizen or permanent resident, and have a good credit history to apply for and be approved for a Credit Card with most New Zealand banks. Your eligibility for a credit card would depend on a few criteria listed below. When you apply for a card, the bank would ask you a few questions about these criteria to determine your eligibility.

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

Documents Required

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 A. If you provide only one item from List A, you must also provide one item from List B.

List A

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

List B

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

*Note: If you are after a rewards credit card, you can compare all the rewards credit cards listed on this website on our rewards credit cards page. Rewards credit cards allow you to earn points for using your credit card, and depending on your card, you can redeem points earned for cash, air points or other goodies.

No documents required to apply¹

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1. Documents not required with initial application, but might be required if your application is successful