Credit Cards - Westpac

An easy, convenient way to pay for the things you need. Credit Cards As at 1 November 2010 An easy way to pay for the things you need now Credit cards are a great way to manage your money and your lifestyle. You can buy the things you need now and pay off your card in a flexible way later. In this guide, you’ll find out more about the benefits of a Westpac credit card, the different types of cards to suit your needs and how to apply. What do you get with a Westpac credit card? Here’s just some of the benefits of having a Westpac credit card • get up to 55 days interest-free credit on purchases •

opportunity to earn hotpoints with every dollar you spend* • receive a MasterCard® card or Visa card which provides you with the convenience of acceptance at over 30 million merchants worldwide, plus global ATM cash access** • when you open a Westpac hotpoints credit card account, you’ll also receive a Westpac hotpoints American Express® Card to fast-track your rewards • enjoy the option of making easy, flexible repayments • manage all your Westpac accounts online • you can choose to have your MasterCard card or Visa card linked to access your credit, cheque and savings accounts** • friendly staff, available to help. There’s loads more too, just turn the page to find out. 1 Once you have opened a Westpac credit card account, you’ll need to select a Personal Identification Number (PIN) for your card by visiting a Westpac branch and providing two forms of suitable ID, one with photo and signature (e.g. your New Zealand driver licence or passport). * Not available with the Low Interest MasterCard. ** This feature is not available on the Westpac hotpoints American Express Card. 2 Which card is right for you? Westpac offers a range of credit card options. Whether you’re after a low interest rate, rewards or overseas travel insurance, we have something for you. All our cards offer up to 55 days interest-free credit on purchases, along with competitive fees and interest rates. Westpac hotpoints credit card account The Westpac hotpoints credit card account gives you value and flexibility. It offers our lowest annual credit card account fee and gives you the benefit of earning hotpoints on all your purchases. You can redeem your hotpoints for all kinds of exciting rewards, including a wide range of vouchers and merchandise. To find out more about hotpoints, see page 4. Hotpoints earn rates: • You’ll earn 1 hotpoint for every $1 you spend on purchases on your hotpoints MasterCard card or Visa card, plus enjoy the convenience of acceptance at over 30 million merchants worldwide. • You’ll automatically receive a Westpac hotpoints American Express Card as part of your account at no extra cost, so you can fast-track your rewards by earning 1.5 hotpoints for every $1 you spend on purchases with this card. Westpac hotpoints Gold credit card account The Westpac hotpoints Gold credit card account rewards you with a world of benefits, including a higher hotpoints earn rate, so you can...

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