I haven't received my Warehouse credit card yet!

Please call us on 0800 887 887.

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 the other users of your account.

Changed your name or address? Want to add another cardholder? Want to transfer to a The Warehouse MasterCard?

Please download and print this form and mail it to us. Alternatively you can call us and we'll send one out to you.

Information Update Form [PDF 54Kb]

How can I make a payment?

There are 4 different ways:

• Post the slip at the bottom of your statement along with a cheque
• Take your slip and how you want to pay to any The Warehouse store or Westpac branch in New Zealand (note, some banks limit how much you can pay using your EFT-POS card)
• Use telephone banking or internet banking with your bank
• Arrange to have your minimum payment, or a fixed amount direct debited from your bank account.

When you make a payment on your account in a Warehouse store, you can’t use your card straight away. It takes 24 hours to process your payment.

How can I make an online payment to my Warehouse credit card?

You can either set up your Red Card or MasterCard as a Payee in BILL PAYMENTS, or set up an automatic payment or one off payment.

If you are setting up a Bill Payee, your bank should have your card type loaded as either The Warehouse Financial Services, The Warehouse, or possibly Westpac - The Warehouse Card

If you want to make a one off payment at a Westpac branch or via online banking our details are:

Bank 03
Branch 0990
Account 0998907
Suffix 82

Plus you need to add some information to identify your deposit with your card number/account:

Particulars: the first 8 numbers of your card (e.g. 51839600)
Code: the last 8 numbers of your card
Reference: surname and then initials (limited space, so fit in as much as you can!)

How can I pay my Warehouse credit card from overseas?

You can transfer money to your credit card via a Draft or Telegraphic Transfer – you will need the following information:

Account name: Westpac Credit Card Payments
Card Payments Account number: 03 0990 0998907 082
Details of Payment: your full credit card number (16 digits) and the cardholders surname and initials

Please instruct the initiating bank to send the money directly to:
Westpac Banking Corporation
Wellington
New Zealand
SWIFT code: WPACNZ2W

What is a late payment fee?

A late payment fee of $20 (Red Card) or $25 (MasterCards) per statement is charged when the minimum payment has not been received prior to the payment due date.

What is the minimum payment?

2% of your outstanding balance or $5 (or the full amount if less than $5) - whichever is greater

How much cash can I withdraw from an ATM with my Warehouse MasterCard^®?

• $1000 a day for a domestic cash withdrawal
• $2000 a day for international cash withdrawal

How much does it cost to withdraw cash from an ATM?

Withdrawing cash from an ATM in New Zealand will cost you $2.
Overseas, the cash advance fee is NZ$7.

Get your cash from an ATM belonging to one of the ATM Global Alliance banks, and you'll pay no international transaction fee* - that can save you NZ $7 every time.

I've heard about some credit card refusals in the UK and Europe?

Some New Zealand credit card holders have had their credit card refused overseas because the credit card has a magnetic strip, and/or the credit card is verified by signature. Your credit card should not be refused for either of these reasons.

The UK and Europe use new 'chip and PIN' credit cards, however internationally-issued credit cards using a PIN and/or signature should still be accepted and the standard credit card payment process still applies

If your credit card is refused ask the merchant to call their local MasterCard office or call us on +64 9 914 6170 (international toll charges apply)

What is the foreign currency fee that applies to overseas transactions on my card?

Foreign currency transactions using your MasterCard: 1.0% is charged by MasterCard

Which countries don't accept MasterCard?

• Angola
• Burundi
• Iran
• Iraq
• Libya
• Liberia
• North Korea
• Sudan

Note: MasterCards issued by banks other than United States banks are accepted in Cuba

What should I do if I find transactions on my statement I haven't made?

You can dispute transactions you didn't authorise. You must contact us within 30 days of the statement date that includes any transaction you want to dispute.

Before disputing a transaction, consider a merchant's invoicing name may differ from their trading or retail name.

Can you match your credit card receipts with the disputed transaction? Could it be for an online purchase? Could the transaction have been made by an additional card holder? Have you dealt with this merchant before? Have you signed a contract with this merchant relating to this transaction?

To continue with a dispute call us on 0800 887 887, or from overseas call +64 9 914 6170 (international toll charges will apply)

What should I do if my credit card is lost or stolen?

Please contact us immediately if:

• Your credit card is lost or stolen
• Your PIN is disclosed
• If you suspect fraudulent transactions

In New Zealand:

• Phone 0800 887 887 (24 hours a day)
• Visit your nearest Westpac branch

From overseas:

• Call +64 9 914 6170 (24 hours a day)
• Visit any branch displaying the MasterCard Cirrus symbol as shown on your card

We'll issue you with a replacement card (a fee of $10 including standard postage applies. International delivery may incur additional courier charges).

MasterCard also offers worldwide emergency assistance. Get medical, legal, travel or New Zealand diplomatic services around the world.

Call MasterAssist™ on +1 314 542 7111 (international toll charges will apply)

Note: These services do not replace the need for travel insurance.

How do I close my credit card account?

If your balance is zero we can close your credit card account immediately over the phone.

In New Zealand phone 0800 887 887 (24 hours a day)
From overseas: call +64 9 914 6170 (24 hours a day)

In writing, post your request to:

The Warehouse Financial Services
Private Bag 92501
Wellesley Street
Auckland 1141

To close a joint account instructions need to be in writing. Either party can request to close the account, but both joint signatures is preferable.

My credit card expires this month—how do I get a replacement?

The Warehouse credit cards expire at the end of the month. If you live in New Zealand your credit card will be automatically re-issued before 20th day of the expiry month.
There is no charge for re-issuing a credit card unless the address information held by us shows an overseas address.

If you live overseas: call us before the month of expiry on +64 9 914 6170 (international toll charges apply)

If you need an early replacement card for overseas travel - in New Zealand call us on 0800 887 887. From overseas call us on +64 9 914 6170 (international toll charges apply). Please allow 5-10 working days prior to departure to ensure delivery.

Lost/stolen/damaged credit card—how do I get a replacement?

In New Zealand phone 0800 887 887 (24 hours a day)
From overseas call +64 9 914 6170 (24 hours a day)

Visit any branch displaying the MasterCard Cirrus symbol shown on your card.

We'll issue you with a replacement card (a fee of $10 including standard postage applies. International delivery may incur additional courier charges)

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.