Westpac

Westpac has a wide range of Airpoints™ products to choose from.

Earn Airpoints Dollars™ and Status Points with Westpac's range of credit cards. With standard, platinum, world and business Airpoints™ earning credit cards and the only Airpoints earning debit card, there is a card to suit you.

Card benefits and fees

Compare the benefits of Westpac's Airpoints earning credit and debit cards.

Earn rates

Earn rates

Airpoints Dollars earn rates¹

Spend up to (and including) $3,500

$150 = A1*

Spend over $3,500

$300 = A1*

Spend up to (and including) $7,000

$110 = A1*

Spend over $7,000

$220 = A1*

Spent up to (and including) $15,000

$95= A1*

Spend over $15,000

$190 = A1*

$85= A1

$300 = A


Earn rates

Status Point earn rates 

Note: You're no longer able to switch the earning preference between accounts. Owners and admins of an account can still transfer Airpoints Dollars between a personal Airpoints and Airpoints for Business account.

Fees and interest rates

Fees and interest rates

Interest free period 

Fees and interest rates

Interest rate - purchases 

Fees and interest rates

Interest rate - cash advances

Fees and interest rates

Account fee 

$70 p.a. (charged $35 half-yearly)

$125 p.a. (charged $62.50 half-yearly)

$310 p.a. (charged $155 half-yearly) This is refunded when you spend $50,000 or more in the previous six-monthly period

$145 p.a. (charged $72.50 half-yearly)

$15 p.a (per card)


Fees and interest rates

Joint / additional card fee

$15 p.a. (charged $7.50 half-yearly)

$25 p.a. (charged $12.50 half-yearly)

$100 p.a. (charged $50 half-yearly)

$25 p.a.

$15 p.a


Fees and interest rates

International transaction fees

Need help?

See Airpoints terms and conditions for full programme details.

Airpoints Dollars will be earned at the rates specified and published by Westpac from time to time on Westpac's website at westpac.co.nz/airpoints. Airpoints Dollar earn rates are subject to change.

1Certain purchases and transactions do not earn Airpoints Dollars (See the Debit Card Conditions of Use for full details), including; fees, charges or interest, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling), cash withdrawals from your account, money orders, travellers cheques and foreign currencies in cash, and business-related purchases.

You must be a member of Air New Zealand's Airpoints programme to be eligible to earn Airpoints Dollars. Airpoints terms and conditions apply.

Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Eligibility criteria, terms and conditions apply.