Ultimate credit card


Westpac Ultimate credit card

Interest Rate: 
The interest is applied if you're not able to pay back the full amount within the time frame. If this is a case, then a low interest credit card might come in handy and will lower your costs.
15.65% p.a. (55 days interest free)
Cash Advance Rate:22.95 % p.a.
Balance Transfer Rate: 
The initial interest rate that you pay when switching card providers. The new credit card provider pays off your outstanding balance on your old card and transfer the debt to your existing debt to your new card. This is ideal if your current credit card carries debt and you want to lower your costs the coming months.
5.95% for until balance paid off
Annual Fee: 
An annual fee charged to the owner of the account. Charged for each year the account is active. The low or even no annual fee cards are ideal if you don't spend that much or posses multiple cards, and don't need a lot of benefits and perks.
Card Type:  
Amex   MasterCard 

Westpac's Ultimate credit card account comes with two cards linked to one account; with one shared credit limit, one monthly statement and one annual fee. Plus, there's two great ways to earn hotpoints: A Westpac hotpoints Premium American Express Card which earns you 2 hotpoints for every dollar you spend, so you can fast-track your rewards, PLUS. A Titanium MasterCard card which earns you 1.5 hotpoints for every dollar you spend and provides you with worldwide acceptance at over 30 million locations. if you spend $30,000 or more on purchases in a six month period between your account charge due dates, your next six-monthly $145 account and hotpoints fee will be waived. This rate doesn't expire after six months – so you'll pay the same low rate on the transferred balance, until it's paid off.

Minimum Credit Limit: $15,000
Maximum Credit Limit: -
Rewards Programme Available
Reward Programme Name Hotpoints
Joining Fee -
Rewards Points 2 hotpoints for every dollar you spend (AMEX), 1.5 hotpoints for every dollar you spend (Titanium MasterCard card)
Reward Point Earning Per Dollar 1.50
Life Time of Points 3 years
Spend Required For $100 Reward $15166.00
Additional Cards Available
Dual Cards Available
Fraud Monitoring
Online Purchase Security
Post Purchase Protection
View Account Details Online
When in Credit Pays Interest
Travel Insurance
Annual Fee $290
ATM Cash Advance Fee $2.00
Branch Cash Advance Fee $2.00
Other ATM Cash Advance Fee $2.00
International ATM Cash Advance Fee $8.00
Replacement Card Fee $15.00
Overseas Replacement Card Fee -
Over Limit Fee -
Late Payment Fee Month $15.00
Statement Copy Fee -
Eligibility Age 18
Eligibility Nationality
Eligibility Income
Eligibility Other Your income is over $15,000.00 p.a.
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Westpac Ultimate credit card Info

Find and compare Westpac credit cards rates, fees and rewards on PriceMe Money. Apply online for a Westpac Ultimate credit card credit card and start enjoying the benefits of this card (assuming that you meet the eligibility requirements and that your application is approved). Westpac will process your application quickly. The Westpac credit card can be used in Auckland, Wellington, Christchurch, Hamilton, Dunedin and other cities as well as nation wide and offers a convenient way to pay for purchase and also advance cash. Please note that the interest free period is limited, and that interest is applied after this period, so always try to pay back the outstanding amount on time.

PriceMe Money aggregates credit card information from the top providers in New Zealand, and isn't responsible for rate errors or inaccuracies. Please always confirm the rates, fees and other related information prior to applying online.