Rating based on 36 reviews


  • Interest rates are lower
  • No annual fees
  • online application

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Author Westpac. Screenshot of Westpac website.
[Accessed April 17, 2018]

Westpac - a responsible credit provider

When you have been in the financial industry for as long as we have, it becomes easy to understand people and their relationship towards money.

When we made our credit cards, we had every mind of a Kiwi in sight because we don’t want to see our people struggling while we are here to help them. Having said that, we have never had a single complaint about our credit services because we did everything right, so it was pretty difficult for society to see any wrong.

Westpac is committed to responsible lending

As much we would love to help everybody who comes to us for financial assistance, we can’t do it without putting the financial interest of a customer first. Having said that, we will never approve your online credit application if we see that you may have trouble paying your monthly charges and fees.

If you change your financial situation and have fewer debts, you are welcome to reapply again. We will never reject your request, but we will if we see that it will strain you in the process.

Westpac cares about the community

We have a number of initiatives that we take part in and even sponsor. We know that the world needs a whole lot of love and support and we are always interested in supporting when we have the abilities to lend a helping hand. One person might not be able to make a great difference, but when we all come together, we will be able to make the world a better place.

Westpac Services

Who doesn’t love gifts or surprises every now and again? Nobody. Everybody wouldn’t mind being pampered with freebies and it is even greater when it comes from your credit card provider.

Our rewards vary from discounts on flight tickets, coupons at retail markets and restaurant discounts. We have picked all the things our clients like doing and put them on their credit card. With every swipe, you will be guaranteed a gift of some sort. The size of the gift shouldn’t be a matter of concern, it is the thought of having a credit provider that loves you that counts.

Westpac credit card application

Applying for a Westpac credit card has never been easier. All you have to do is go to our website and apply online. Alternatively, you can call us or come to one of our branches. Whatever application method you choose, you will be required to answer a few short questions. Please answer these questions as truthful as you can.

If we see that you lied in one of your responses, we will not be able to process your request any further. Omitting information with the hope that we will not find out will only make us raise our eyebrows towards your actions.

Therefore, it is better to have your application turned down because you don’t qualify them to be given the green light when you know that you held back from disclosing certain information about yourself, your credentials and your credit standing.

Westpac – Credit card

  • Loan Type Credit cards

Benefits of Westpac

  • Get interest-free days
  • Get reliable credit cards
  • Easy application

Westpac - Helping you to manage your money better

Anyone can suffer from a bad credit history but that shouldn’t stop a client from trying to have a more decent credit profile which can improve if you repay any personal or sort-term loans on time and in full.

We will also not penalize your efforts because that is what we are looking for in an individual. Having the will to have a better credit reputation regardless of your past. However, we must mention that we will have to assess your records before we put a definite response to your answer.

We have to see how “bad” your name is and we find that it is too dented, we might not be able to assist. Be that as it may, not all hope is lost because we will help you through your financial difficulties.

Adhering to the terms and conditions

It is extremely important to read the fine print of any contractual agreement that you put your name in. We urge this because it will be quite difficult to convince you of a finding that was stipulated in your credit agreement. Prior to the approval of your credit card application, we will send you a contract that you will have to read, understand and accept.

If you need clarity on certain clauses, please don’t hesitate to call us. What we don’t want is our clients signing a contract while they have some questions and objections. As a customer, you have every right to seek precision when you are a bit confused about our services.

Adhering to our privacy policy

Every information that you submit to us is for our viewing and nobody else’s. We will never share your information with your information or anybody else for that matter. Everything we do at Westpac, from bank accounts to large property loans, is done with the utmost respect, confidentiality and privacy.

To put you at further ease, the only person who will know about your details is the consultant that is going to be dealing with your application. After that, everything is archived electronically and in our manual system. We know how difficult is for a customer to trust another person, especially with their credentials and financial statements.

Customer Reviews & Testimonials

What great service I had when I applied for my credit card they are always on point and I didn’t even have to wait long for my application to be approved.

Shaun W
— Auckland —

The reason I love my credit card so much is that if I am traveling I don’t have to worry about being out of the country it will still work for me.

Melody C
— Napier —

I get great points back when I use my credit card for flying its great as I fly all the time and this is such a great bonus for me.

Tayla S
— Auckland —

Westpac Contact

Physical Address

Postal Address

  • Westpac, FATCA Operations, P.O. Box 934, Shortland St, Auckland, 1140, New Zealand

Opening Hours

  • Monday 09:30 – 16:00
  • Tuesday 09:30 – 16:00
  • Wednesday 09:30 – 16:00
  • Thursday 09:30 – 16:00
  • Friday 09:30 – 16:00
  • Saturday 10:00 – 14:00
  • Sunday – Closed