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Card Account Rates and Fees Table

 

Credit Card Account Fees and Rates
Account/Card Fees
• Main Personal Credit Card $34 every 6 months
• Additional Personal Credit Card $20 every 6 months
• Fuel Rebate Credit Card (no longer available to new customers) $5 every month
• Additional Fuel Rebate Credit Card $20 every 6 months
• Main New Zealand Golf Credit Card Annual fee currently waived
• Additional New Zealand Golf Credit Card Annual fee currently waived
Service Fees
Administration Fee - for payment made at any NZ Westpac bank $1.50
Cash Advance Fee - if you withdraw cash using your Card:  
• New Zealand ATMs
• NZ Westpac Bank Teller
• Overseas ATMs and Teller
$3
$5
$7
Copy of Charges Fee - if you require a copy of any charge $5
Dishonour Fee - if any payment you make is dishonoured $10
Disputed Charge Fee - only if the Charge is valid $10 (Local charge)
$15 (Overseas charge)
Late Payment Fee - if you fail to pay the required minimum payment by the due date $15
Overseas Currency Conversion Fee - a fee charged each time you use your Card for foreign currency purchases or cash advances 2% of the conversion rate
Overseas Replacement Card Delivery Fee $20 plus courier service fee
Replacement Card Fee - if your Card is replaced having been lost, stolen or damaged $10
Statement Copy Reprint Fee - if you require an addtional copy of your statement $5 per statement
Urgent Card Delivery Fee within NZ $20 plus courier service fee
Interest Rates
Purchase and other Charges (except Cash Advances) 19.95% p.a.
Cash Advances 21.95% p.a.
Credit Card Club Rewards Account Fees
Standard Club Rewards Programme membership fee
(Included complimentary on New Zealand Golf Card Programme)
$15 per Card every 6 months
Club Rewards Double Points Programme membership fee
(only available on the New Zealand Golf Card Programme)
$30 per Card every 6 months
Club Rewards Airline Frequent Flyer / Hotel Reward Programme Points transfer administration fee $10 per transfer
Top-up Club Rewards Points $10 for 1,000 Club Rewards Points

 

 

Charge Card Account Fees and Rates
Account/Card Fees
Personal Card Annual Fee*(No longer available to new members) $68
Supplementary Card Annual Fee*

$40

SPCA Co-brand Card Annual Fee (No longer available to new members)

$35

SPCA Co-brand Supplementary Card Annual Fee (No longer available to new members)

$0

Business Card*

• Business Account Fee

• Annual Account Fee

 

$30

Sliding fee scale up to $43

Club Rewards Annual Fee* $30
Other Fees

Cash Advance Fee

• Less than $125 advanced

• $125 or more advanced

 

$5 fee applies

4% fee on amount advanced

Late Payment Fee - Business account

$15 or 3.5% of outstanding balance (whichever is greater)

Late Payment Fee - Personal account

$15

Overseas Currency Conversion Fee 2%
Disputed Charge Fee - only if the Charge is valid $10 (Local charge)
$15 (Overseas charge)
*Special fees or no fees may apply.