Credit card common questions

Interest free credit, lost or stolen credit cards, credit card interest and other commonly asked questions about credit cards.

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Answers to some questions commonly asked about Westpac credit cards
> up to 55-day interest free period  
> cash withdrawals from ATMs  
> foreign currency fee  
> late payment fee  
> countries that don't accept my credit card  
> interest charge dates  
> transactions on my statement I haven’t made  
> lost or stolen credit cards  
> closing a credit card account  
> card expiry  
> replacement credit cards  
> Titanium™ SideCard® daily purchasing limit  
How does the 55-day interest free period work for Westpac personal credit cards?
Up to 55 days interest free credit on your purchases
applies to interest charged onto purchases if your credit card’s closing balance is paid in full by the due date  
consists of 30-day statement cycle and up to 25 days until payment due date  
Pay statement balance in full by its due date
purchases made on first day of next statement cycle will get 55 days interest free  
closing balance of new statement must be paid in full by due date  
Cash advances
55 days interest free benefit does not apply to cash advances  
cash advances accrue interest from the day they are made  
cover cash advances in your full payment to get interest free credit on purchases  
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How much cash can I withdraw from an ATM with my credit card?*
$1000 for hotpoints Visa card or hotpoints MasterCard® card domestic cash withdrawal  
$1500 for hotpoints Gold credit card domestic cash withdrawal  
$1500 for Titanium™ MasterCard domestic cash withdrawal  
$2000 a day for international cash withdrawal  
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Foreign currency transactions using your credit card
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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What is a late payment fee?
A late payment fee of $15 per statement is charged when the minimum payment has not been received prior to the payment due date.
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Which countries don't accept my credit card?
Countries that don’t accept Visa
Afghanistan  
Cuba  
Iran  
Iraq  
Libya  
North Korea  
Sudan  
Countries that don’t accept MasterCard
Angola  
Burundi  
Iran  
Iraq  
Libya  
Liberia  
North Korea  
Sudan  
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.
Countries that don't accept the Westpac hotpoints American Express® Card
Iran  
Burma  
Sudan  
Cuba  
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When is interest charged?
If you get a cash advance interest will be charged on the outstanding balance of cash advances (including cash advance fees)
daily at our current credit card cash advance interest rate
from the date of the transaction until the relevant amount is paid in full
If your card statement balance is not paid in full by the due date
interest will accrue daily on your opening balance  
interest will accrue daily on new purchases from their transaction date
interest will stop accruing on purchases once full payment is received
If you transfer a balance from another account at another institution
interest is calculated from the date the balance is transferred until the relevant amount is paid in full
interest will be charged on the outstanding balance of balances transferred from accounts at other institutions
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What should I do if I find transactions on my statement I haven’t made?
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.
Before disputing a transaction, consider
a merchant’s invoicing name may differ from their trading or retail name
can you match your credit card receipts with the disputed transaction?
could it be for an online purchase?
could the transaction have been made by an additional card holder?
have you dealt with this merchant before?  
have you signed a contract with this merchant relating to this transaction?
To continue with a dispute
call us on 0800 888 111  
from overseas call +64 9 914 8026 (international toll charges will apply)
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What should I do if my credit card is lost or stolen?
> report lost/stolen credit card  
> get emergency assistance  
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How do I close my credit card account?
If your balance is zero we can close your credit card account immediately over the phone.
In New Zealand
phone 0800 888 111
(24 hours a day)		  
From overseas:
call +649 914 8026
(24 hours a day)		  
In writing
post your request to
Westpac Credit Card Services
Private Bag 92503
Wellesley Street
Auckland		  
To close a joint account
instructions need to be in writing  
either party can request to close the account  
both joint signatures is preferable  
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My credit card expires this month—how do I get a replacement?
Westpac credit cards expire at the end of the month.
If you live in New Zealand
your credit card will be automatically re-issued before the 20th day of the expiry month
this is free of charge**
If you live overseas:
call us before the month of expiry  
call +649 914 8026 (international toll charges apply)
If you need an early replacement card for overseas travel
in New Zealand call us on 0800 888 111
from overseas call us on +64 9 914 8026 (international toll charges apply)
allow 5-10 working days prior to departure to ensure delivery
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Lost/stolen/damaged credit card—how do I get a replacement?
In New Zealand
phone 0800 888 111
(24 hours a day)		  
Westpac branches  
From overseas:
call +649 914 8026
(24 hours a day)		  
visit any branch displaying the MasterCard and Cirrus acceptance marks or Visa and Plus symbols, as shown on your card
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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Titanium SideCard daily purchasing limit—how high can it be?
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.
Westpac's current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use apply. Charges, terms and conditions may apply to some of the transactions and services mentioned above - please contact us for more information, or visit the Interest rates and account fees section of this website.
The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification.
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