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Westpac
Term Deposits
Deposit Range: $5,000 - $5,000,000
| Term | Rate |
|---|---|
| 1 Month | 1.80% p.a. |
| 3 Months | 2.85% p.a. |
| 6 Months | 3.45% p.a. |
| 1 Year | 3.75% p.a. |
| 2 Years | 4.10% p.a. |
| 3 Years | 4.40% p.a. |
| 4 Years | 4.60% p.a. |
| 5 Years | 4.70% p.a. |
Term PIE
Deposit Range: $5,000 - $5,000,000
| Term | Rate |
|---|---|
| 1 Month | 1.80% p.a. |
| 3 Months | 2.85% p.a. |
| 6 Months | 3.45% p.a. |
| 1 Year | 3.75% p.a. |
| 2 Years | 4.10% p.a. |
| 3 Years | 4.40% p.a. |
| 4 Years | 4.60% p.a. |
| 5 Years | 4.70% p.a. |
Bonus Saver
Balance Range: $1+
| Base Rate | Bonus Rate | Total Rate |
|---|---|---|
| 0.05% p.a. | 1.20% p.a. | 1.25% p.a. |
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: To earn bonus interest, on the last day of the month your account balance must be $20 greater than on the last day of the month prior. The $20 excludes interest earned on the account and/or Westpac fees charged to the account. Payments can be made directly out of your Westpac Bonus Saver account.
Simple Saver
Balance Range: $1+
| Base Rate | Bonus Rate | Total Rate |
|---|---|---|
| 0.05% p.a. | - | 0.05% p.a. |
Interest Calculated: Daily
Interest Paid: Monthly
Bonus Saver PIE
Balance Range: $500+
| Base Rate | Bonus Rate | Total Rate |
|---|---|---|
| 0.05% p.a. | - | 0.05% p.a. |
Interest Calculated: Daily
Interest Paid: Quarterly
Balance Range: $500+
| Base Rate | Bonus Rate | Total Rate |
|---|---|---|
| - | 1.20% p.a. | 1.20% p.a. |
Interest Calculated: Daily
Interest Paid: Monthly
Conditions: To earn bonus return, on the last day of the month your balance must be $20 greater than the last day of the month prior. The $20 excludes returns earned on the account and/or Westpac fees charged to the account. Payments can be made directly from your Westpac Bonus Saver PIE account. ATM access is for balance enquiry, funds transfers and deposits only. Cash withdrawals can be made in branch (a $2.50 fee applies).
Notice Saver (32 Days)
Balance Range: $1+
| Base Rate | Bonus Rate | Total Rate |
|---|---|---|
| 3.00% p.a. | - | 3.00% p.a. |
Interest Calculated: Daily
Interest Paid: Quarterly
Conditions: 32-day notice period required for withdrawals. You must have a New Zealand bank account to make withdrawals from your Notice Saver account.
Greater Choices Home Loan
Interest free for up to $50,000 for qualifying energy efficiency improvements
| Term | Rate |
|---|---|
| 5 Years | - |
Choices Offset
| Term | Rate |
|---|---|
| Floating | 5.89% p.a. |
Home Loan
| Term | Rate |
|---|---|
| Floating | 5.89% p.a. |
| 6 Months | 5.09% p.a. |
| 1 Year | 5.19% p.a. |
| 2 Years | 5.79% p.a. |
| 3 Years | 5.89% p.a. |
| 4 Years | 5.99% p.a. |
| 5 Years | 6.19% p.a. |
Special Home Loan
LVR under 80%
| Term | Rate |
|---|---|
| 6 Months | 4.49% p.a. |
| 1 Year | 4.59% p.a. |
| 2 Years | 5.19% p.a. |
| 3 Years | 5.29% p.a. |
| 4 Years | 5.39% p.a. |
| 5 Years | 5.59% p.a. |
Choices Everyday
| Term | Rate |
|---|---|
| Floating | 5.99% p.a. |
Airpoints Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 20.95% p.a. |
| Interest-Free Days | 55 |
| Annual Fee | $70 |
| Rewards | Airpoints - 1 Airpoints Dollar per $150 spent up to $3,500, then 1 Airpoints Dollar per $300 spent each month |
Airpoints Platinum Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 20.95% p.a. |
| Interest-Free Days | 44 |
| Annual Fee | $125 |
| Rewards | Airpoints - 1 Airpoints Dollar per $110 spent up to $7,000, then 1 Airpoints Dollar per $220 spent each month |
Airpoints World Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 16.95% p.a. |
| Interest-Free Days | 44 |
| Annual Fee | $310 |
| Rewards | Airpoints - 1 Airpoints Dollar per $95 spent up to $15,000, then 1 Airpoints Dollar per $190 spent each month |
Fee Free Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 12.90% p.a. |
| Interest-Free Days | 55 |
| Annual Fee | $0 |
hotpoints Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 20.95% p.a. |
| Interest-Free Days | 55 |
| Annual Fee | $40 |
| Rewards | Hotpoints - 1 hotpoint per $1 spent up to $3,500, then 0.5 hotpoints per $1 spent each month |
hotpoints Platinum Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 20.95% p.a. |
| Interest-Free Days | 55 |
| Annual Fee | $70 |
| Rewards | Hotpoints - 1.5 hotpoints per $1 spent up to $7,000, then 1 hotpoint per $1 spent each month |
hotpoints World Mastercard
| Network | Mastercard |
|---|---|
| Purchase Rate | 16.95% p.a. |
| Interest-Free Days | 44 |
| Annual Fee | $285 |
| Rewards | Hotpoints - 2 hotpoints per $1 spent up to $15,000, then 1 hotpoint per $1 spent each month |