Westpac
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 | Westpac Airpoints Mastercard® | Westpac Airpoints Platinum Mastercard® | Westpac Airpoints World Mastercard® | Airpoints Business Mastercard® | Westpac Airpoints Debit Mastercard® |
|---|---|---|---|---|---|
| Airpoints Dollars earn rates¹ | Spend up to (and including) $3,500 $150 = A Spend over $3,500 $300 = A | Spend up to (and including) $7,000 $110 = A Spend over $7,000 $220 = A | Spent up to (and including) $15,000 $95= A Spend over $15,000 $190 = A | $85= A | $300 = A1¹ |
| Status Point earn rates | - | $225=1 Status Point | $225=1 Status Point | $225=1 Status Point | - |
Earn rates
Airpoints Dollars earn rates¹
Spend up to (and including) $3,500
$150 = A
Spend over $3,500
$300 = A
Spend up to (and including) $7,000
$110 = A
Spend over $7,000
$220 = A
Spent up to (and including) $15,000
$95= A
Spend over $15,000
$190 = A
$85= A
$300 = A1¹
-
$225=1 Status Point
$225=1 Status Point
$225=1 Status Point
-
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.
| Featured benefits | Westpac Airpoints Mastercard® | Westpac Airpoints Platinum Mastercard® | Westpac Airpoints World Mastercard® | Airpoints Business Mastercard® | Westpac Airpoints Debit Mastercard® |
|---|---|---|---|---|---|
| Non-expiry of Airpoints Dollars | - | Yes | Yes | - | - |
| Airpoints Dollars Advance | A50 | A200 | A200 | - | - |
| Koru membership joining fee waiver and $145 annual discount | - | Yes | Yes | Yes | - |
| Complimentary travel insurance | - | Yes | Yes | Yes | - |
Featured benefits
| Fees and interest rates | Westpac Airpoints Mastercard® | Westpac Airpoints Platinum Mastercard® | Westpac Airpoints World Mastercard® | Airpoints Business Mastercard® | Westpac Airpoints Debit Mastercard® |
|---|---|---|---|---|---|
| Interest free period | Up to 55 days | Up to 44 days | Up to 44 days | Up to 44 days | - |
| Interest rate - purchases | 20.95% p.a. | 20.95% p.a. | 16.95% p.a. | 20.95% p.a. | - |
| Interest rate - cash advances | 22.95% p.a. | 22.95% p.a. | 22.95% p.a. | 22.95% p.a. | - |
| 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) |
| 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 |
| International transaction fees | - | - | - | - | $3 per cash withdrawal |
Fees and interest rates
Interest free period
Up to 55 days
Up to 44 days
Up to 44 days
Up to 44 days
-
Interest rate - purchases
20.95% p.a.
20.95% p.a.
16.95% p.a.
20.95% p.a.
-
Interest rate - cash advances
22.95% p.a.
22.95% p.a.
22.95% p.a.
22.95% p.a.
-
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)
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
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.