Westpac New Zealand has served customers for more than 160 years and is one of the country’s leading credit card companies, trusted by millions across New Zealand and Australia.
What you need to know about this credit card
- Purchase interest rate: 12.90% p.a. variable.
- Balance transfer rate: 5.95% p.a. for the life of the transferred balance (terms and conditions apply).
- Interest-free period: Up to 55 days on purchases when the full balance is paid by the due date.
- Eligibility: Applicants must be at least 18 years old, be New Zealand citizens or permanent residents living in New Zealand, and meet Westpac’s lending criteria.
Pros
- No annual account fee.
- No foreign currency fee.
- Low 12.90% p.a. purchase interest rate.
- Compatible with Apple Pay, Google Pay, and digital wallets.
- Includes CardGuard fraud protection and Mastercard Identity Check.
Cons
- Cash advances attract a 19.95% p.a. interest rate.
- Does not include rewards such as Airpoints or cashback.
Why choose Westpac for your credit card?
Compared with BNZ Lite Visa, Westpac Fee Free Mastercard offers a lower purchase rate and no annual fee, making it a strong low-fee credit card.
Unlike the ASB Visa Light, it also waives foreign currency fees, adding value for people using a travel credit card overseas.
Compared with the ANZ Low Rate Visa, Westpac Fee Free Mastercard combines lower ongoing costs with Mastercard travel experiences and credit card benefits.
Against the Kiwibank Zero Visa, Westpac Fee Free Mastercard includes a competitive balance transfer offer alongside its credit card balance transfer offers.
Compared with TSB Platinum Mastercard, this card focuses on lower costs and simplicity, making it easier to get a credit card for everyday use.
How to apply for your Westpac Fee Free Mastercard
If you’re looking for lower costs and practical everyday features, start your credit card application today and discover whether Westpac Fee Free Mastercard is right for you.