The Warehouse Red Card

    • No annual fees
    • No transaction fees
    • Free additional cards
    • Up to 55 days interest free days


Shopping for all the family?

The Warehouse Red Card is a useful way to pay for what you need for your family and keep control of your spending.

Even if you’re on a budget, the Red Card is ideal as it has a low credit limit to start with.

There’s no annual account fee or transaction fees and the interest rate is competitive against other store cards.

At The Warehouse Financial Services we believe The Red Card should offer more than just convenience. That's why we offer you a series of exclusive money-saving deals and other benefits such as cardholder events.

Cardholders will be the only ones to enjoy exclusive store-wide discounts at special Cardholder Events. If you have a Warehouse credit card we'll tell you about the events beforehand by mail and email.

How do I apply?

New customers cannot apply for a Red Card from 1st October 2015. If you are an existing customer there will be no changes to the way you operate your current card account.

Exciting News

A new range of Financial Services products coming soon from The Warehouse. Keep an eye out for further information.  

Changes to the ownership of The Warehouse Financial Services Limited

The Warehouse Financial Services Limited (the Company) was a Joint Venture company between Westpac NZ Operations Limited (Westpac) and The Warehouse Limited. The Warehouse Group Financial Services has purchased the shares in the Company that were previously held by Westpac. From 30th September 2015, the Company is now wholly owned by The Warehouse Group Financial Services, which is part of The Warehouse Group of companies. The Warehouse Red Card As a result, The Warehouse Red Card Conditions of Use are changing on 15 October 2015 to reflect the change of ownership. The key changes are:

• A change in the dispute resolution provider from the Banking Ombudsman Dispute Resolution Scheme to the Financial Services Complaints Ltd Scheme operated by Financial Services Complaints Ltd.
• A change in the registered offices from Westpac on Takutai Square, 16 Takutai Square, Auckland 1010 to The Warehouse Financial Services Limited, Level 8, 120 Albert Street, Auckland 1010; and
• Removing references to Westpac that are no longer relevant.

Red Card Conditions of Use effective from 15th October 2015.
Download the Red Card Price List.

For more information, you can call us anytime on 0800 887 887.

Some common questions:

Where can I use my Red Card?


At any The Warehouse or Warehouse Stationery store in New Zealand.

Can I use my card on the Internet?


Yes, your Red Card can now be used to shop online on The Warehouse online store.

Can I withdraw cash at an ATM?


No, you can only use your Red Card for purchases at the above stores.

Can I get a PIN?



Can I transfer from one of my existing credit cards?


No, you cannot transfer balances from other existing cards onto your Red Card.

If you wish to do so, you will need to first convert your Red Card into a The Warehouse MasterCard by completing an Information Update Form

Once this is done, you can then transfer balances from your other existing cards to your new MasterCard. You can transfer from as many cards as you like - up to your credit limit.
Note that MasterCard Conditions of Use differ from Red Card Conditions of Use.

Is there an annual fee?



Can we have a joint account?


No, but you can apply for additional 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.

Five ways to make a payment?


There are 5 different ways:

• Direct debit – call us on 0800 887 887 and we will send a direct debit form to you. The Direct Debit payment option will enable you to set up minimum payments, a fixed amount or to repay the outstanding amount in full each month.
• At any Westpac branch – you can repay your account using cash or your eftpos card. You will need to bring your card or monthly statement to any Westpac branch nationwide. To find where the nearest Westpac branch is located, call us on 0800 887 887.
• Telephone banking - you can call your bank and arrange repayment to your credit card account.
• Internet banking – if you are registered for internet banking, you can repay all or part of your credit card balance via online banking.
• Automatic payment – you can set up an automatic payment at any of your bank’s branches, or via internet banking if you are registered.

If you are setting up a Bill Payee, your bank may have your card type loaded as either:
The Warehouse Financial Services,
The Warehouse Card, or
The Warehouse MasterCard

If your bank does not have your credit card already loaded, all the information you will need to set up internet, telephone or automatic repayments is as follows:

ACCOUNT NUMBER: 03 0990 0998907 082

ACCOUNT NAME: Credit Card Payments

PARTICULARS: First 8 digits of your card number

CODE: Last 8 digits of your card number

REFERENCE: Your name

Do you charge late payment fees?


If you have not paid the minimum amount due by the payment due date on your statement you will be charged late payment fees.

What if I am returning a product for a refund?


If a Warehouse store needs to give you a refund they need the till receipt – just having your account statement with you won’t do.

How can I make changes to my account?


Download an Information Update Form and fill in the appropriate sections to make the following changes
• Name changes
• Address changes
• Credit card limit changes
• To add an additional cardholder.


The Warehouse Financial Services Limited's current credit card lending criteria apply to all applications and transfers. Charges, terms and conditions may apply to some of the transactions and services mentioned above - please contact us for more information, or visit the Interest rates and account fees section of this website. The MasterCard® brand mark is a registered trademark of MasterCard® International Incorporated.

The information on this page is presented subject to our terms of use page and any other terms and conditions that The Warehouse Financial Services may impose from time to time. It is subject to change without notification.

Copyright © 2008 The Warehouse Financial Services Limited.