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. |
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