Westpac Credit Cards. Credit cards

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1 Westpac Credit Cards Credit cards As at 9 February 2015

2 You can buy the things you need now and pay off your card in a flexible way later.

3 Contents 4 What do you get with a Westpac credit card? 6 Which card is right for you? 8 Enjoy the rewards of hotpoints 10 Have a closer look at what s available 12 Exclusive privileges 13 Take away the worry 14 How to apply 3

4 What do you get with a Westpac credit card? Here are 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 which provides you with the convenience of acceptance at over 35 million merchants worldwide, plus global ATM cash access contactless technology for fast and convenient payments (of under $80) on the go with MasterCard PayPass enjoy the option of making easy, flexible repayments manage all your Westpac accounts online you can choose to have your MasterCard 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. Handy Tip 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 Rate MasterCard. 4

5 5

6 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 MasterCard The Westpac hotpoints MasterCard 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 8. Hotpoints earn rates: You ll earn 1 hotpoint for every $1 you spend on purchases on your hotpoints MasterCard, plus enjoy the convenience of acceptance at over 35 million merchants worldwide. Westpac hotpoints Platinum MasterCard The Westpac hotpoints Platinum MasterCard rewards you with a world of benefits, including a higher hotpoints earn rate, so you can reach your next reward faster. To find out more about hotpoints, see page 8. You ll also receive a comprehensive range of insurance* benefits, including extended warranty and purchase protection insurances and overseas travel insurance making this account ideal for overseas travellers. Hotpoints earn rates: You ll earn 2 hotpoints for every $1 you spend on purchases on your hotpoints Platinum MasterCard, plus enjoy the convenience of acceptance at over 35 million merchants worldwide. * Terms, conditions, exclusions and eligibility criteria apply. Full details can be found in the policy document. 6

7 Low Rate MasterCard With its low everyday interest rate on retail purchases, the Low Rate MasterCard provides a convenient way of keeping the cost of borrowing down when buying large purchases. It s also a smart and easy way to consolidate debt. BusinessPLUS MasterCard If you are a small business owner, then a BusinessPLUS MasterCard can give you the best of both worlds, by helping you mange your business spending as well as earning great hotpoints rewards for you and your business. You ll also receive all the other great benefits offered on a Westpac Platinum credit card account, including a comprehensive range of insurance benefits. Note: The principal and any joint cardholders or account holders will be personally responsible for all credit extended by Westpac under a BusinessPLUS MasterCard. Hotpoints earn rate: Earn 1.25 hotpoints for every $1 you spend on purchases on your BusinessPLUS MasterCard. A quick summary of annual fees For a... Westpac hotpoints MasterCard Westpac hotpoints Platinum MasterCard BusinessPLUS MasterCard Low Rate MasterCard Joint/additional card You pay $44 per year $125 per year ($62.50 charged every 6 mths) $100 per year ($50 charged every 6 mths) $65 per year ($32.50 charged every 6 mths) $15 per year per card Fees are current as at 15 November 2013 but are subject to change. Other fees and charges may apply to the use of your credit card. Please see our transaction and service fees brochure. 7

8 Enjoy the rewards of hotpoints With a Westpac hotpoints credit card, you ll earn hotpoints every time you make a purchase on your Westpac credit card. Use your Westpac hotpoints credit card for everyday expenses such as supermarket shopping, petrol and household bills and your hotpoints will add up quickly. Earning hotpoints is easy Your Westpac hotpoints MasterCard earns you hotpoints and provides you with the convenience of worldwide acceptance at over 35 million merchants. You can use your Westpac hotpoints MasterCard for everyday purchases, cash advances and ATM withdrawals. Use your Westpac MasterCard to earn 1 hotpoint per $1spent on purchases Use your Westpac Platinum MasterCard to earn 2 hotpoints per $1 spent on purchases 8

9 Rewards for travel, your home, your family or treats for yourself Treat yourself to some great merchandise rewards. You can redeem your hotpoints for a huge range of products from DVDs, CDs and books to hardware, home appliances, home entertainment and technology. Go shopping with vouchers! You can choose reward vouchers for a huge range of retailers and travel companies. No other rewards programme provides more ways to use your points for travel than hotpoints. As well as travel and accommodation vouchers, you can pay for travel with your hotpoints credit card and then use your hotpoints to help pay it back later with Hotpoints Holiday Credits. Hotpoints Holiday Credits can be used to help pay back your travel on any airline, accommodation, sightseeing tours, airport transfers and much, much more, both in NZ and around the world. You can also donate your hotpoints to Westpac s chosen charities, gift them to another hotpoints member or convert them into contributions towards a Westpac KiwiSaver Scheme account. Your annual credit card fee can also be paid using hotpoints. Points + Pay If you don t have enough hotpoints to get your next reward, you can use the online Points + Pay. You can use your Westpac hotpoints credit card to top up the extra amount you need to redeem your reward, or alternatively use your hotpoints credit card to pay for the reward in full. Plus you ll earn bonus hotpoints for every dollar you spend with Points + Pay on selected merchandise rewards. Hotpoints are ready when you are When you ve become a Westpac customer, you can sign up to Online Banking, a convenient way to keep track of your banking. Here, you can also check your latest hotpoints balance, sign up to receive text alerts* relating to your accounts and register your address to receive the latest hotpoints and Westpac news via . You can also log in to hotpoints online where you can check out the huge range of rewards available and redeem your points. * Text alerts are only available to customers with a Westpac transaction account. Want to know more about hotpoints? Visit to see the full range of rewards. To open a Westpac hotpoints credit card account or find out more, call us on hours a day, seven days a week. To redeem your hotpoints or check your hotpoints balance log in to hotpoints from your Online Banking or call hotpoints on weekdays from 8.30am to 5pm. 9

10 Have a closer look at what s available Interest-free credit Buy something with any of Westpac s personal credit cards and you ll get up to 55 days interest-free credit on your purchase. If you pay the total card balance by the due date, you won t pay any interest, unless you make a cash advance. This means you can keep your money in an interest earning account right up until you have to pay off your credit card. Choose how much to pay Each month you ll get a detailed credit card statement. It will show the minimum amount you have to pay and by when. Once you have paid the minimum, you can choose how much extra you want to pay. Pay off the lot before the due date and it s interest-free (except for cash advances) or spread your payments to suit your budget. Get a card for someone else Share the benefits of your Westpac credit card with someone else. You can apply for a joint credit card you ll both have a card and share responsibility for the card account. Both applicants will need to be 18 years or older. Or you can apply for an additional card for a family member or friend. The other person must be 15 years or older and any charges they make to the account will be your responsibility to pay. Balance transfers Why pay a high interest rate on a hire purchase, store card or another bank s credit card or personal loan, when you can transfer the outstanding balance to a Westpac credit card account and pay a low interest rate on the balance transferred until it is repaid. To find out how a balance transfer could save you money, either ask one of our branch staff or visit 10

11 Manage your account online You re in control with Online Banking. You can access your Westpac credit card account and do your banking via the Internet, 24 hours a day, 7 days a week. access your credit card account and transaction details look back on all credit card transactions transfer money between your accounts, and pay your credit card bill online. Access all your accounts on your credit card Your Westpac MasterCard can be set up so you can access your Westpac cheque or savings accounts at ATMs and EFTPOS outlets nationwide. Change your limit When you get your card, you ll get a credit limit based on the details you give us. If you need a bit more, just let us know we ll be happy to discuss increasing your limit. We can also decrease your limit at any time. 11

12 Exclusive privileges As Westpac MasterCard cardholder, you ll have access to MasterCard Privileges. MasterCard Privileges is the place to indulge in a broad range of local and global experiences across dining, travel, retail and entertainment. With offers hand picked for MasterCard cardholders, spoil yourself today at 12

13 Take away the worry Optional protection Card Repayment Cover is affordable, pre-approved and provides cover for all cardholders aged between 18 and 80. You don t need a health check and your premium is simply added to your monthly credit card statement. You and any joint cardholders between the ages of are guaranteed acceptance for Card Repayment Cover. Provided you are aged between 18 and 65 years this cover pays: 10% of your credit card account balance each month for up to 24 months after total disability from injury or sickness 10% of your credit card balance each month for up to six months after redundancy up to $10,000 off your credit card balance if you are selfemployed and are declared bankrupt. Between 18 and 80 years of age the life cover benefit pays: up to $50,000 of your credit card balance if you die. The cost is 79c for each $100 of your outstanding monthly balance. This is charged to your credit card each month that you have an outstanding balance and covers everyone aged between 18-80, who has a card on your account. If you would like Card Repayment Cover, just tick the box on your card application - there are no medical questions to answer. The Card Repayment Cover policy comes with a 30 day free look period, so if you decide that the cover is not for you, any premiums paid will be refunded in full. Terms, conditions, exclusions and limits apply. More detailed information can be found in the Card Repayment Cover policy. Call us on to obtain a copy. 13

14 How to apply There are three simple ways to apply for a Westpac credit card apply online at visit us in branch and we can process your application straight away, or complete the application form at the back of this brochure and bring it into any Westpac branch, or post it to us at Private Bag 92503, Wellesley Street, Auckland. We ll need to see some ID (e.g. your driver licence or passport) and proof of income (e.g. payslips). If you don t have these with you when you apply, you can always drop them into us before we activate your card. Ask one of our staff or check our website for what forms of ID are required. Remember to ask about a balance transfer Apply today and you could save with a balance transfer. Simply transfer an existing balance from a hire purchase, store card or another bank s credit card or personal loan to a Westpac credit card, and you ll pay a lower rate than the standard interest rate, on the balance transferred until it s paid off in full. Terms and conditions apply. Just ask one of our branch staff or visit To find out more about our range of credit cards: Visit us online at Ring us on , or Talk to one of our staff in any Westpac branch. 14

15 Credit Card Application How to apply 1) Apply online at westpac.co.nz/credit-cards/apply-now/ This is the fastest way to apply for a card. 2) Complete this form and take it together with identification and proof of income to your nearest Westpac branch, or 3) Complete this form and mail to Westpac, Private Bag 92503, Wellesley Street, Auckland. If you have any questions or need help to complete this form, please call A: Type of Westpac credit card account Please select one card type and one reward programme per application. The Low Rate MasterCard does not include a reward programme. hotpoints Airpoints Westpac PayTag (optional) Westpac Low Rate MasterCard Westpac MasterCard Westpac Platinum MasterCard Westpac World MasterCard Westpac Airpoints Business MasterCard Westpac BusinessPLUS MasterCard If you select, but do not meet Westpac s current lending criteria for a hotpoints or Airpoints Platinum MasterCardard account, a hotpoints or Airpoints MasterCard account will be issued instead (provided you meet the relevant criteria for that card). If you are applying for an Airpoints credit card and already have an Airpoints number, please enter it below. If you are not currently an Airpoints member, we ll arrange an Airpoints membership for you free of charge. Your Airpoints number will be printed on your credit card and all Airpoints Dollars earned will be credited to your Airpoints account. Airpoints Membership Number B: Principal applicant details Title (please tick one) Mr Mrs Miss Ms Dr Other (please specify) Given name(s) FIRST MIDDLE Surname Date of birth DATE / MONTH / YEAR NZ Resident Yes No How would you like your name to appear on your card This must be your given name(s), or initial(s) and surname If you already have a Westpac bank account, please provide the account no. below Home address STREET NO. STREET NAME/BOX NUMBER SUBURB Time at current address YEARS / MONTHS Postal address (if different from home address given above) STREET NO. STREET NAME/BOX NUMBER SUBURB TOWN / CITY Best description of your living arrangements (Please tick one) Home owner Rent Live with parents/guardian Board Home phone ( ) NZ driver s licence number (5a) Identification word Close friend or relative Are you a US citizen?* Yes No Main country of tax residency** Additional country(s) of tax residency (if any) Foreign Tax Identification Number*** (FIN) Version no. (5b) YOU WILL NEED THIS WORD IF YOU CALL US TO DISCUSS YOUR CARD IN THE FUTURE FULL NAME (MUST BE LIVING IN NEW ZEALAND AND NOT LIVING AT THE SAME ADDRESS) Their phone number ( ) THIS IS THE MAIN COUNTRY WHICH HAS THE RIGHT TO TAX YOUR WORLDWIDE INCOME LIST THE ADDITIONAL COUNTRY(S) OF WHICH YOU ARE A TAX RESIDENT YOUR IDENTIFICATION NUMBER FOR TAX PURPOSES IN A PARTICULAR COUNTRY C: Joint/Additional applicant s details Joint application On a joint credit card account, both cardholders are jointly and severally liable for any balance owed on the account. A joint cardholder must be at least 18 years old. Additional cardholder The principal cardholder is liable for all transactions on the credit card account which are made by an additional cardholder as though they had personally made the additional cardholder transactions. An additional cardholder must be at least 16 years of age. There is a $15 charge for each joint and additional card on all cards except the World MasterCard where a $100 charge applies. When a hotpoints World MasterCard is selected there is no charge for the first joint/additional card. Title (please tick one) Mr Mrs Miss Ms Dr Other (please specify) Given name(s) FIRST MIDDLE Surname Date of birth DATE / MONTH / YEAR How would they like their name to appear on their card This must be their given name(s), or initial(s) and surname Westpac PayTag (optional) Home address STREET NO. Contact phone ( ) address For joint applicant only Are you a US citizen?* Yes No STREET NAME/BOX NUMBER SUBURB TOWN / CITY Mobile phone ( ) Work phone ( ) address Main country of tax residency** Additional country(s) of tax residency (if any) Foreign Tax Identification Number*** (FIN) THIS IS THE MAIN COUNTRY WHICH HAS THE RIGHT TO TAX YOUR WORLDWIDE INCOME LIST THE ADDITIONAL COUNTRY(S) OF WHICH YOU ARE A TAX RESIDENT YOUR IDENTIFICATION NUMBER FOR TAX PURPOSES IN A PARTICULAR COUNTRY * You will be a US citizen if you were born in the US or have acquired US citizenship, unless you have formally renounced your US citizenship ** The country listed will determine the tax rate applied to your products. Please contact your tax advisor if you are unsure *** If you are a US citizen or tax resident, the FIN section must be completed with your social security number or individual tax identification number

16 Credit Card Application D: Employment and financial details Occupation of principal applicant INSERT YOUR OCCUPATION HERE Current employer of principal applicant Time in current job years months Principal applicant s annual income from all sources (before tax) is Joint applicant s annual income from all sources (before tax) is $ ANNUALLY $ ANNUALLY If you re applying for a joint credit card account please combine your financial details for the following questions Total savings and investments with Westpac add up to Total savings and investments not with Westpac add up to $ TOTAL $ TOTAL Monthly home loan, rent or board payments $ MONTHLY TOTAL Monthly repayments for any bank loans, other than home loans (e.g. car & personal) add up to Monthly repayments for non-bank loans (e.g. finance companies, student loans or hirepurchase agreements) add up to $ MONTHLY TOTAL $ MONTHLY TOTAL E: Card Repayment Cover This optional insurance can help you pay your credit card balance should you or any cardholder on your account die or experience total disability, redundancy or bankruptcy before age 66. Do you want to be covered by Card Repayment Cover? You will be covered on the terms, conditions and exclusions of the Card Replacement Cover policy wording from the date that this application is received by Westpac. A sample copy of the Card Replacement Cover policy wording is attached. I/we agree to be covered by Card Repayment Cover (please sign:) PRINCIPAL SIGNATURE Yes No Note: You must be aged between 18 and 65 years. DATE / MONTH / YEAR Cost of the insurance is 79 cents a month for each $100 of the outstanding balance on your Westpac credit card statement. If you choose Card Repayment Cover, then each month we will charge your premium to your credit card account. We will let you know if the cost of the insurance changes 30 days beforehand. The premiums are collected on behalf of the underwriter Westpac Life-NZ-Limited. Westpac Life-NZ-Limited has an AA- Insurer Financial Strength rating given by Standard & Poors (Australia) Pty Limited on 6 August The rating scale is: AAA Extremely Strong, AA Very Strong, A Strong, BBB Good, BB Marginal, B Weak, CCC Very Weak, CC Extremely Weak, SD or D Default, R Regulatory Supervision, NR Not Rated. Plus (+) or Minus (-) following ratings from AA to CCC show relative standings within the major rating categories. For a full description of the ratings scale go to standardandpoors.com All credit card limits add up to $ TOTAL F: Acknowledgement I/we certify that all information supplied in this application is true, correct and complete. In applying for this credit card, I/we acknowledge that my/our declared income is correct and sufficient to service the credit limit provided. I/we agree that as soon as I/we sign or use my/our card or use any other payment instrument (such as PayTag if requested), to access my/our account I/we will be deemed to have agreed to be bound by: the Credit Card Conditions of Use for the applicable card; the Air New Zealand Airpoints programme terms and conditions (where applicable); the hotpoint terms and conditions (where applicable); and the Westpac PayTag terms and conditions (where a Westpac PayTag has been requested). I/we acknowledge and agree that: I/we are personally responsible for all credit extended by Westpac to me/us, including credit extended under a BusinessPLUS MasterCard or Airpoints Business MasterCard, irrespective of whether a business name appears on the card; where applicable, I must be a member of Air New Zealand s Airpoints programme to be eligible to earn Airpoints and that I can access the Airpoints terms and conditions at airnewzealand.co.nz/aripoints-terms-and-conditions; for a joint credit card account, a notice Westpac sends to one of us will count as a notice to all of us; fees and charges will apply to the use of the card. Details of fees and charges are provided in the Transaction and Service Fees brochure, which will be sent to me; and the Credit Card Conditions of Use for the applicable card, the Westpac PayTag terms and conditions (where applicable), and the hotpoints terms and conditions (where applicable) will be sent to me. Copies of the Credit Card Conditions of Use for the applicable card, the Westpac PayTag terms and conditions, the hotpoints terms and conditions (which are incorporated in the Credit Card Conditions of Use for the applicable cards) and the Transaction and Service Fees brochure are available at any Westpac branch or online at westpac.co.nz. Personal information I/we consent to and authorise the collection, use and disclosure of my/our personal information by Westpac New Zealand Limited and its related companies (Westpac) in the following ways: Westpac may make all necessary enquiries (now or in the future) concerning my/our credit record, residence, employment, financial status, and any information provided by me/us in this application for the purposes related to provision of credit to me/us, from whatever source Westpac considers appropriate, including any credit reporting agency that Westpac has a subscriber agreement with, and any party approached may provide such information to Westpac. Westpac may use all the information that they hold about me/us to make available to me/us the full range of financial services provided by Westpac and to provide me/us with details of products and services that may be purchased with the card. Westpac may provide Credit Information (as defined in the Credit Reporting Privacy Code 2004) about me to credit reporting agencies, who will use that information to update their credit reporting database and who may disclose any information they hold about me/us to their own customers for the purpose of providing credit reporting services.

17 Credit Card Application Westpac may disclose my personal information (including default information) to any person Westpac may appoint to collect any outstanding debt. Westpac may use credit reporting agencies monitoring service to receive updates, if any, of the information they hold about me/us. Westpac and its related companies may obtain, use and/or disclose information held about me/us to enable Westpac and its related companies to comply with any laws, rules or regulations in New Zealand or any other country including any laws, rules or regulations reasonably expected to be implemented (including to enable the government of New Zealand to comply with any agreement between it and any other country). Westpac may disclose and exchange any information held about me/us now or in the future to any party associated with a Westpac credit card rewards programme for the purposes of administration of the applicable rewards programme, provision of related services and for marketing and research purposes. I/we confirm that I/we have the permission of the person named as close friend or relative in this application to disclose their personal details. If I/we have indicated that I/we wish to be covered by Card Repayment Cover ( the Cover ), I/we authorise Westpac to disclose all relevant information held about me/us now or in the future to the underwriters of the Cover for purposes of administrating the Cover. I/we understand that I/we have the right to access and correct my/our personal information held by Westpac subject to the provisions of the Privacy Act I/we acknowledge that I/we have read and accepted the disclosures, terms and conditions set out above. G: Signature(s) I/we acknowledge that I/we have read and accepted the disclosures, terms and conditions set out above. I /we also certify that: I/we are New Zealand citizens or have permanent New Zealand residency status and reside in New Zealand. I/we are over 18 years of age (and any additional applicant is over 16 years of age). Please note that you will be required to verify your identity and income as part of the application process or prior to activating your credit card account. All cardholders (principal, joint or additional) are required to verify identification. Suitable forms of ID include one of the following New Zealand drivers licence Current passport New Zealand firearms licence For more details see westpac.co.nz/aml PRINCIPAL SIGNATURE DATE / MONTH / YEAR JOINT / ADDITIONAL SIGNATURE DATE / MONTH / YEAR Credit cards are both a convenient means of payment and a flexible form of borrowing. Although paying only the minimum monthly payment can help you manage your cash flow from time to time, If you make only the minimum payment each month, you will pay more interest and it will take you longer to pay off your balance. Westpac use only Credit Card Account Number Card number Application number X X X X X X X X Card account number CRS number Package type Branch/split code Staff number Bank stamp Courier cost Branch Customer 72273WP FTR stamp Special delivery instructions Card Repayment Cover is underwritten by Westpac Life-NZ-Limited, a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited, which is a wholly owned subsidiary of Westpac Banking Corporation ABN , incorporated in Australia. Neither Westpac Banking Corporation, Westpac New Zealand Limited ( Westpac ), nor any other member of the Westpac Group guarantees the obligations of, or any products issued by, Westpac Life-NZ-Limited. Westpac employs salaried employees whose remuneration is influenced in the long term by the arrangement of Westpac Life-NZ-Limited insurance policies. Westpac will receive commission payments as a result of the arrangement of Westpac-Life-NZ-Limited policies. hotpoints is a registered trademark of Westpac Banking Corporation. MasterCard is a registered trademark of MasterCard International Incorporated.

18 Westpac s current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use will apply. The information in this brochure, and the terms, conditions and charges for Westpac credit cards are current and may vary from time to time at Westpac s discretion. Overseas Travel, Purchase Protection and Extended Warranty Insurances are arranged by Westpac and underwritten by AIG Insurance New Zealand Limited ( AIG ). Card Repayment Cover is underwritten by Westpac Life-NZ-Limited, a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited. Westpac Financial Services Group-NZ-Limited is a wholly owned subsidiary of Westpac Banking Corporation ABN , incorporated in Australia. Neither Westpac Banking Corporation, Westpac New Zealand Limited ( Westpac ), nor any other member of the Westpac Group guarantees the obligations of, or any products issued by Westpac Life-NZ-Limited or AIG. Westpac Life-NZ-Limited complies with the practice standards of the investment Savings & Insurance Association of NZ Inc and a copy of its latest financial statements is available from Westpac House, 318 Lambton Quay, Wellington. You have the right to receive a replacement of business advice when changing from one policy to another, Westpac employs salaried employees whose remuneration is influenced in the long term by the arrangement of Westpac Life-NZ-Limited insurance policies. Westpac will receive commission payments as a result of the arrangement of Westpac-Life-NZ-Limited policies. hotpoints is a registered trademark of Westpac Banking Corporation. Hotpoints terms and conditions apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Westpac New Zealand Limited WP

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