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- Low Fee Platinum Mastercard
WESTPAC LOW FEE PLATINUM MASTERCARD (NO LONGER FOR SALE)
Latest information.
The Westpac Low Fee Platinum Mastercard is no longer available for sale. Here's a full list of our available credit cards .
If you currently have a Westpac Low Fee Platinum Mastercard, nothing has changed. All benefits, features and fees outlined on this page still apply.
The important numbers
The Westpac Low Fee Platinum offers existing cardholders:
- Card fee in first year: $0
- Ongoing card fee: $90 ($0 with $10k p.a. spend)
- Variable purchase rate: 19.74% p.a.
- Variable cash advance rate: 21.49% p.a.
- Minimum credit limit: $6,000
What fees apply to this card?
Things you should know.
Westpac Credit Cards Key Facts Sheet
Credit Card Terms and Conditions (PDF 273KB)
Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)
ID checklist to become a customer (PDF 657KB)
Westpac Extras Terms and Conditions (PDF 370KB)
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
*Low Fee annual card fee waiver: $0 annual card fee is available for the first year and every year afterwards when you apply and are approved for a new ‘Low Fee’ or ‘Low Fee Platinum’ credit card. To qualify, you must meet the spend criteria on eligible purchases ($5,000 or more for a Low Fee card / $10,000 or more for a Low Fee Platinum card) in each 12-month period, starting from the date you made your first transaction.
This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
Read the Apple Pay Terms and Conditions (PDF 42KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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- Agribusiness
- Institutional
Airpoints™ Business Mastercard®.
Reward yourself with Airpoints Dollars™ on all eligible business spending on up to six cards.
- Keep your business and personal expenses separate 1 .
- Earn one Airpoints Dollar for every $85 on eligible business spend 2 .
- Earn one Status Point for every $225 you spend on eligible purchases 2 and climb Airpoints membership tiers to enjoy exclusive travel benefits.
- Up to 35 days of overseas travel insurance 5 .
- Up to 44 days interest free on purchases when you pay off your balance in full by the payment due date 3 (see credit card interest-free period page for more).
- Add additional cards for a business partner or up to five employees.
- Enjoy a discount on 12-month Koru membership 4 .
- 24-hour credit card emergency assistance.
- Purchase protection up to 90 days and extended warranty on purchases 5 .
- Pay off in full each month or make the minimum payment 6 .
Send your data electronically
Send your accountant your card data directly, via Xero or MYOB/BankLink.
No fees on overseas cash withdrawal
Use an ATM in the Global Alliance Group 7 and pay no international transaction fees.
Choose how you pay
Pay via automatic payment, direct debit, bill payment via Westpac One® or Business Online, phone banking, funds transfer or at any Westpac branch.
Access all your accounts
Link your Westpac savings or transaction accounts to your Airpoints Business Mastercard® for easy access at ATMs and checkouts.
Manage online
Manage your card through Westpac One or Business Online.
Join Airpoints for Business.
With Air New Zealand's Airpoints for Business programme you can earn Airpoints Dollars directly into an Airpoints for Business membership. Once you belong to the programme, you'll earn 20% extra Airpoints Dollars for your business when travelling for work, and earn on everyday business expenses² with Air New Zealand's Business Partner Network.
Interest rates for your Airpoints Business Mastercard.
Interest rates are subject to change.
Fees for your Airpoints Business Mastercard.
Some overseas banks and ATMs may charge an extra fee for a cash advance. Fees are subject to change.
Other charges may apply to some of the transactions and service mentioned - see our business credit card fees page for more details.
Quick help.
Find out what you can do with your Airpoints Dollars.
How to get the most out of your Airpoints Dollars.
Learn about Koru membership benefits.
How to apply.
New to westpac or don't have westpac one.
Sign up for an account or a credit card online.
Already using Westpac One?
Save time and apply for a credit card using Westpac One.
Speak to one of our friendly specialists.
Make an appointment at any branch and we'll help.
Things you should know.
1 You will be personally responsible for all credit extended by Westpac under a BusinessPLUS Mastercard® and Airpoints Business Mastercard, irrespective of whether a business name appears on the card.
2 The following purchases and transactions do not earn Airpoints Dollars or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, tax payments, payments for cash equivalents ( e.g. travellers' cheques, money orders, gambling chips and gambling transactions (including online gambling) and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Master c ard . Status Points earned on applicable credit cards only.
3 Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances, balance transfers and interest rates and fees are not purchases and have no interest free days. See credit card interest-free period page for how it works.
4 Koru programme terms and conditions apply . Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.
5 Terms, conditions, exclusions and eligibility criteria apply, including a minimum spend for certain travel regions. Please see the Westpac Airpoints Platinum Mastercard Insurance policy for full details. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.
6 If you only make a minimum payment each statement period, you will pay more interest and it will take you longer to pay off the unpaid balance.
7 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to use of Westpac Mastercards at ATMs belonging to any member of the Global ATM Alliance and is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees - refer to the Business Transaction and Service Fees brochure for details.
8 Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Business Mastercard . Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. Interest rates are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use .
You will be personally responsible for all credit extended by Westpac under an Airpoints Business Mastercard, irrespective of whether a business name appears on the card. The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the applicable Credit Card Conditions of Use for full details): cash withdrawals, payments for cash equivalents (e.g. travellers' cheques, money orders and gambling chips) and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only. Business credit card products are only available for business and/or investment purposes and not for personal, domestic or household purposes. Lending criteria, terms and conditions and fees and charges apply to Airpoints Business Mastercards. See Westpac Airpoints Credit Card Conditions of Use and Business Transaction and Service Fees brochure .
You must be a member of Air New Zealand's Airpoints programme to earn Airpoints Dollars. Airpoints terms and conditions apply. See Airpoints terms and conditions .
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Terms and conditions
Eligibility criteria, lending criteria, terms and conditions apply. See :
- Westpac Airpoints Credit Card Conditions of Use
- Airpoints terms and conditions
- Business Transaction and Service Fees brochure
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The Westpac Low Fee Platinum offers existing cardholders: Card fee in first year: $0. Ongoing card fee: $90 ($0 with $10k p.a. spend) Variable purchase rate: 19.74% p.a. Variable cash advance rate: 21.49% p.a. Minimum credit limit: $6,000.
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