With the Airpoints™ Debit MasterCard® you can earn Airpoints Dollars™ in more ways than ever before. As well as earning on flights and an Airpoints credit card, you can now earn on your everyday debit card spend.
Earn Airpoints Dollars
Use it like an EFTPOS card plus online, over the phone and overseas
Add Westpac PayTag® free of charge, for the smart, contactless way to pay for purchases under $80
Rely on 24/7 protection from fraudulent activity with CardGuard™
Links with your card to automatically categorise and track your spend.
Get exclusive access to MasterCard® privileges.
- Use your Airpoints Debit MasterCard worldwide
- Access your own money when you’re travelling at overseas banks and ATMs displaying the MasterCard and Cirrus acceptance marks. (ATM fees may apply)
- Pay no overseas cash withdrawal fee (currently NZ$8) when withdrawing money from a Global ATM Alliance ATM. See the ‘Fees’ tab for more information
|Airpoints Debit MasterCard - Fees|
|Fee type||Fee amount|
|Annual fee The first annual fee will be deducted shortly after your application has been made so ensure sufficient funds are available in the linked transaction account.
(also charged on replacement)
|$15 per card|
|Westpac PayTag Your first Westpac PayTag is free. Replacement of lost or stolen PayTags will cost $4.99 each. Expired PayTags are replaced free of charge. The Westpac PayTag terms and conditions, as well as the terms and conditions relating to any cards or accounts that your Westpac PayTag links to, apply.
(First issuance and replacement on expiry)
|Fee waived (usually $4.99)|
|Courier delivery in NZ/Overseas||Courier costs where applicable|
|Foreign currency fee When using your debit card at an ATM or a foreign purchase (this includes purchasing from overseas websites with a foreign currency).||2.50% of transaction amount|
|Using an ATM overseas These fees do not apply if you use your Westpac card in an ATM belonging to a member of the Global ATM Alliance. The fee saving is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees – refer to Transaction and Service fees <a href="/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/transaction_service_fees.pdf" target="_blank">brochure</a> for details.
||cash withdrawal||NZ$8 per transaction|
|balance enquiry||NZ$0.60c per transaction|
|declined transaction||NZ$0.60c per transaction|
|Using another bank's ATM This is in addition to the electronic transaction fees for your Westpac account.
||cash withdrawal||$1 per transaction|
|balance enquiry||$1 per transaction|
|transfer||$1 per transaction|
The annual fee is waived for customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs.