FAQs
Where can I use my The Warehouse Low Interest MasterCard®?
The Warehouse Low Interest MasterCard® is accepted at over 30 million outlets worldwide. You can also use it at ATM’s in New Zealand and overseas.
Can I withdraw cash at an ATM?
Yes, at ATM’s in New Zealand and overseas.
Charges apply.
How much can I withdraw each day?
Up to $1000 each day (subject to local restrictions).
There is a $2 fee for ATM’s and branches and NZ$7 for overseas ATM’s.
Can I use my card on the Internet?
Yes, you can use your card on any site that accepts MasterCard. And as long as you're using a secure link, your details will be safe.
Can I get a PIN?
Yes, visit any Westpac branch in New Zealand to add a PIN to your card.
How do you calculate my interest?
Interest accrues on a daily basis from the date of your purchase - but is only charged if you don't pay off the whole balance each month by the payment due date.
How many days interest free credit do I have?
The Warehouse Low Interest MasterCard® has up to 55 days interest free credit, provided you pay the full balance outstanding on your card each month. Applies to purchases only.
Can we have a joint account?
Yes, as long as they're over 18. You will share the same credit limit and you'll be jointly responsible for all transactions. And we can give out information to both cardholders.
Can I have a second cardholder on my account?
Yes, as long as they're over 16. They will share your credit limit but you'll be responsible for all their transactions. We'll only take instructions from you, the principal cardholder, but we can give out information to other users of your account.
How often will I need to pay my bill?
Once a month after you've received your statement.
You can choose to pay the minimum payment due or any other amount you want – up to the full balance.
What is the minimum payment?
3% of your outstanding balance or $10 (or the full amount if less than $10) - whichever is greater.
Is there up to 55 days interest free on balance transfers?
No, you’ll be charged interest from the day the balance transfer hits your account, usually one week after we receive this form.
Does the balance transfer interest rate apply to my current outstanding balance, fees, purchases or cash advances?
2.99% per annum only applies to the balance transferred, and after six months any outstanding balance will revert to the ongoing interest rate, currently 12.90% p.a.
I have purchases on my monthly statement and I have done a balance transfer, how are my payments to my account handled?
Payments made to your Warehouse Low Interest MasterCard® are first applied to all charges and interest either shown on the current and any previous statements (and since your current statement) and then applied to any amounts transferred from other cards before they are applied to any cash advance or purchase amount. This means that the portion of your outstanding account balance that’s subject to a lower interest rate will be paid off first.
Changed your name or address?
Want to change your credit limit?
Want to add another cardholder?
Please download and print this form and mail it to us.
Or call us and we'll send one out to you.
Want to talk about your card?
Call us free on:
0800 887 887
If you are overseas you can call us on:
0064 9 914 6170
Haven’t received your card yet?
Call us free on:
0800 887 887
Other charges may apply to some of the transactions and services mentioned – download our credit card fees price list for more details.