Once you’ve got your goods and we have received all the correct documentation from the retailer, your purchase amount will be debited to your account. The date your purchase amount is debited is the start date of your finance promotion.
Yes. Just remember that cash withdrawals will incur interest from the date of your purchase or withdrawal. As long as you have a PIN number for your card, you can withdraw cash from ATMs, EFTPOS terminals and Westpac branches throughout New Zealand.
No. Each month, we only ask you to pay 3% of the outstanding balance or $20 (whichever is greater). If you only pay the minimum monthly payment, you may not pay it all off in that time. You'll then pay the prevailing interest rate on whatever's left.
Nothing at all. Interest is only charged on any outstanding balance after the interest free period has finished. So if you pay it all off in time, there's no interest to pay. The prevailing interest rate will only apply to any outstanding balance at the expiry of the interest free period.
There’s a one-off $55 Establishment Fee and a $50 Annual Account Fee. Other fees apply depending on the status and the activity of your account. If you’d like to know more about these fees, call 0800 500 505.
Your credit limit can be found on your monthly CreditLine statement, or you can call Customer Services on 0800 500 505 to ask us. You can also register with our Online Service Centre for 24/7 access to your account.