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Interest free credit, lost or stolen credit cards, credit card interest and other commonly asked questions about credit cards. |
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Getting a credit card
Existing credit cards
Contact us
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Contact us now: |
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Email |
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Westpac branches |
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phone 0800 888 111
(24 hours, 7 days a week) |
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from overseas call
+64 9 912 8000
(international toll charges apply) |
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| Answers to some questions commonly asked about Westpac credit cards |
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55-day interest free period |
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cash withdrawals from ATMs |
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foreign currency fee |
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late payment fee |
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countries that don't accept my credit card |
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interest charge dates |
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transactions on my statement I haven’t made |
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lost or stolen credit cards |
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closing a credit card account |
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card expiry |
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replacement credit cards |
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Titanium™ SideCard® daily purchasing limit |
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| Up to 55 days interest free credit on your purchases |
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applies to interest charged onto purchases if your credit card’s closing balance is paid in full by the due date |
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consists of 30-day statement cycle and up to 25 days until payment due date |
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| Pay statement balance in full by its due date |
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purchases made on first day of next statement cycle will get 55 days interest free |
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closing balance of new statement must be paid in full by due date |
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| Cash advances |
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55 days interest free benefit does not apply to cash advances |
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cash advances accrue interest from the day they are made |
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cover cash advances in your full payment to get interest free credit on purchases |
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$1000 for Visa card or MasterCard® card domestic cash withdrawal |
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$1500 for Gold card domestic cash withdrawal |
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$1500 for Titanium™ MasterCard domestic cash withdrawal |
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$2000 a day for international cash withdrawal |
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| Foreign currency transactions using your credit card |
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foreign currency fee is 2.50% of transaction amount
Includes accessing your savings, transaction or revolving credit account with your Westpac credit card |
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| A late payment fee of $25 per statement is charged when the minimum payment has not been received prior to the payment due date. |
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| Countries that don’t accept Visa |
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Afghanistan |
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Cuba |
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Iran |
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Iraq |
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Libya |
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North Korea |
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Sudan |
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| Countries that don’t accept MasterCard |
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Angola |
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Burundi |
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Iran |
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Iraq |
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Libya |
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Lideria |
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North Korea |
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Sudan |
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Note: MasterCard cards issued by banks other than United States banks are accepted in Cuba.
Due to recent changes in the banking industry, there are currently limited services available in Niue. |
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| Countries that don't accept the Westpac hotpoints American Express® Card |
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Iran |
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Burma |
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Sudan |
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Cuba |
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| If you get a cash advance interest will be charged on the outstanding balance of cash advances (including cash advance fees) |
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daily at our current credit card cash advance interest rate |
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from the date of the transaction until the relevant amount is paid in full |
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| If your card statement balance is not paid in full by the due date |
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interest will accrue daily on your opening balance |
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interest will accrue daily on new purchases from their transaction date |
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interest will stop accruing on purchases once full payment is received |
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| If you transfer a balance from another account at another institution |
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interest is calculated from the date the balance is transferred until the relevant amount is paid in full |
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interest will be charged on the outstanding balance of balances transferred from accounts at other institutions |
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| You can dispute transactions you didn’t authorise. You must contact us within 30 days of the statement date that includes any transaction you want to dispute. |
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| Before disputing a transaction, consider |
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a merchant’s invoicing name may differ from their trading or retail name |
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can you match your credit card receipts with the disputed transaction? |
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could it be for an online purchase? |
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could the transaction have been made by an additional card holder? |
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have you dealt with this merchant before? |
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have you signed a contract with this merchant relating to this transaction? |
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| To continue with a dispute |
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call us on 0800 888 111 |
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from overseas call +64 9 914 8026 (international toll charges will apply) |
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report lost/stolen credit card |
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get emergency assistance |
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| If your balance is zero we can close your credit card account immediately over the phone. |
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| In New Zealand |
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phone 0800 888 111
(24 hours a day) |
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| From overseas: |
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call +649 914 8026
(24 hours a day) |
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| In writing |
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post your request to
Westpac Credit Card Services
Private Bag 92503
Wellesley Street
Auckland |
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| To close a joint account |
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instructions need to be in writing |
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either party can request to close the account |
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both joint signatures is preferable |
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| Westpac credit cards expire at the end of the month. |
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your credit card will be automatically re-issued before the 20th day of the expiry month |
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this is free of charge** |
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call us before the month of expiry |
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call +649 914 8026 (international toll charges apply) |
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| If you need an early replacement card for overseas travel |
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in New Zealand call us on 0800 888 111 |
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from overseas call us on +64 9 914 8026 (international toll charges apply) |
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allow 5-10 working days prior to departure to ensure delivery |
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| In New Zealand |
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phone 0800 888 111
(24 hours a day) |
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Westpac branches |
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call +649 914 8026
(24 hours a day) |
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visit any branch displaying the MasterCard and Cirrus acceptance marks or Visa and Plus symbols, as shown on your card |
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| We’ll issue you with a replacement card (a fee of $15 including standard postage applies. International delivery may incur additional courier charges). |
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Your Titanium SideCard daily purchasing limit can be as high as you want, so long as it isn’t higher than your credit limit.
To change the amount whenever you like call us on 0800 888 788. |
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*This feature is not available on the Westpac hotpoints American Express® Card.
**There is no charge for re-issuing a credit card unless the address information held by us shows an overseas address.
MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. American Express® is a registered trademark of American Express Company.
Westpac accepts no responsibility for the availability or content of third party websites. |
