hotpoints® World Mastercard®

Welcome to the Westpac World Mastercard, New Zealand's premier credit card account designed exclusively for our clients. To create this card, we've carefully collated a special collection of benefits, offers and experiences which perfectly complement the demands of a successful lifestyle. 

Special offer: Pay 0% p.a. for 12 months on balance(s) transferred to a Westpac credit card*. Find out more.


Highlights of the Westpac hotpoints® World Mastercard®

3x Earning Power

3 hotpoints per $1 dollar spent1 

Get rewarded sooner with Westpac’s highest hotpoints earn rate.

The benefits of hotpoints:

  • Whether it’s flights, accommodation or car rental you’re after, hotpoints offers a selection of travel rewards – like ‘Pay Using Points’ at Flight Centre, travel vouchers, or Holiday Credits. With Holiday Credits, pay for your travel with your hotpoints credit card, and then use your hotpoints to help pay for it! 
  • You can also redeem your points for a wide range of retail gift cards and merchandise, donate to charity or contribute to your Westpac KiwiSaver Scheme account – the choice is yours!

Find out more about hotpoints or visit to see how you could reward yourself.

Airport Lounge Access2

Escape the chaos of international travel with Priority Pass lounge access, giving you entry to over 900 airport lounges around the world – including Auckland Airport’s Emperor Lounge.

Hotel Upgrades3, 4

Receive an upgrade to Gold status with Starwood Preferred Guest®, after using your Westpac World Mastercard to pay for just one eligible night’s stay at a participating Starwood hotel or resort. Register your details to get upgrades.

Car Rental Upgrades4

Travel in style with Hertz Gold Plus Rewards membership and a free one-car-class upgrade (subject to availability) when you book with your Westpac World Mastercard.

Find out more about rental upgrades

World Mastercard Privileged Access Program5

Enjoy the very best the world has to offer with an exclusive range of specially selected travel, shopping and dining experiences from across the globe.

Extended Warranty Insurance6

Get covered for longer with an extension of up to 12 months on the manufacturer’s New Zealand warranty on goods purchased in full with your Westpac World Mastercard.

Purchase Protection Insurance6

Pay for any purchase in full on your Westpac World Mastercard, and it could be covered for its replacement value for up to 90 days if it’s lost, stolen or accidentally damaged.

Travel Insurance6

Up to 120 days per round trip when you use your Westpac World Mastercard to purchase your travel.

On Call Concierge service and Home Assist7

The Westpac World Mastercard Concierge service is on call to arrange everything from restaurant to taxi bookings, and the Home Assist service is also available 24 hours a day to arrange trades people when you need it most. They’re only a phone call away on 0800 774 577.

Credit Card Balance Transfer8

Apply to transfer your balance to any Westpac credit card and if successful, you could pay 5.95% p.a. for the life of the balance transferred.

Other features

  • flexible payment options
  • an embedded microchip for greater card security
  • contactless technology for fast and convenient payments (of under $80) on the go with Mastercard PayPass
  • the ability to link your other Westpac accounts to your Mastercard, so you can access them at the checkout and ATMs
  • Up to 44 days interest free credit on your retail purchases^
  • Overseas ATM access 
  • No international transaction fee (usually $3) when withdrawing money overseas from an ATM within the Global ATM Alliance9. See Rates & Fees tab for more information.
Monitor your card spend in real time

CashNav is our new money management app that connects with your credit card to automatically track and categorise what you spend.

Find out more
Rates, fees & more

Minimum credit limit

hotpoints World Mastercard has a minimum credit limit of $18,000

Repayment options

Pay your card off in full or make any payment above the monthly minimum (either 2% or $5 of the balance owing  - whichever is greater)10. View payment options here.


World Mastercard - Interest rates
CardInterest rates
Purchases (and other fees & charges) 16.95% p.a.
Balance transfer rate
Transfer balances from another bank’s credit card, overdraft, personal loan, or hire purchase agreement to a Westpac credit card.
 > More on balance transfers
0.00% p.a.*special rate  for 12 months on the balance transferred
5.95% p.a. for the life of the balance transferred
Cash advance rate
Cash advances on all Westpac credit cards, excluding those on Portfolio pricing
22.95% p.a.


World Mastercard - Fees
Fees on this page are current as at 25 May 2017 and are subject to change.
Some overseas banks may charge an extra fee for a cash advance.
Fee typeFee amount
Annual account fee $390 per year
Paid in two 6-monthly instalments of $195. Spend $50,000 or more in a 6 month period and we'll waive your next 6 monthly fee.
Joint/additional card
Your first joint or additional card is free. Supplementary cards are $100 per year ($50 every 6 months)
Cash advance in NZ using a Westpac ATM $2 per transaction
at other bank ATMs $2 per transaction
Westpac branch teller $3 per transaction
Cash advance overseas using Global ATM Alliance ATMs $0  Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand).The NZ$3 international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the  <a href="" target="_blank">Transaction and Service Fees brochure</a> or <a href="" target="_blank">Business Transaction and Service Fees brochure</a> for details.
using other ATMs or at bank branches NZ$3 per transaction Note: An ATM service fee may be charged by the ATM provider.
Late payment fee $12 per late payment
Card over limit
Applies where you exceed your account credit limit during any statement period.
Replacement card
where original card is lost, damaged or stolen
$15 per card
Courier delivery in NZ/overseas Courier costs where applicable 
Foreign currency fee 2.50% of NZD converted value of foreign currency transaction amount When you use your Westpac credit card to make an overseas transaction, you'll pay a foreign currency fee. This is currently 2.5% of the New Zealand dollar converted value of the foreign currency transaction amount. A foreign currency conversion fee is applied to purchases, cash withdrawals and any fees and charges in a foreign currency incurred by you from the overseas merchant or merchant bank for that transaction.