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Airpoints™ Debit Mastercard®.
Earn Airpoints™ on eligible everyday spending¹ with New Zealand's only Airpoints debit card.
Benefits at a glance.
- Earn 1 Airpoint™ for every $300 spent on eligible purchases¹. No annual fee for the first year.
- No annual fee for customers under 19.
- Apple Pay or Google Pay™ ready from day one, before your card arrives in the mail.
- No international transaction fees when you use your card at our Global ATM Alliance ATMs.
Get earning with an Airpoints Debit Mastercard.
Open a Westpac Everyday account with a Airpoints Debit Mastercard and start earning Airpoints on your everyday spending straight away.
Join online in minutes and get a digital version of your card in the Westpac One app before it arrives in the mail.
Features.
Spend Airpoints on rewards
Earn Airpoints™ on eligible everyday spending and use them on flights, travel benefits or thousands of products in the Airpoints Store.
Use it online, overseas, or with your mobile
Your Airpoints Debit Mastercard® is accepted at over 35 million locations worldwide. Plus, you can add it to your mobile wallet for easy, secure payments with Apple Pay3 or Google Pay™4.
Fee-free ATMs, worldwide
Avoid international ATM fees when you withdraw cash from a Global ATM Alliance ATM overseas.
Digital version from day one
Pay straight away with a digital version of your card. Use your card details in the Westpac One app or add it to Apple Pay or Google Pay™.
Control your cards in one place
Turn contactless or online payments off, stop ATM withdrawals and change your PIN in the Westpac One® app.
Want to earn even more Airpoints?
Card security.
How we protect your card
24/7 fraud protection
CardGuard® with Zero Liability protection helps keep your money safe with 24/7 monitoring for fraudulent activity and unauthorised transactions⁴, at no extra cost.
Instant block & replace
Can't find your card? You can temporarily block or unblock your card in Westpac One®. If your card has been lost or stolen, replace it with a new digital version that's ready to use straight away.
Control your cards in one place
Turn contactless or online payments off, stop ATM withdrawals and change your PIN in the Westpac One app.
Dynamic security code
Keep your card details safer online with your card’s dynamic security code. It changes after 24 hours in the Westpac One app, reducing the risk of fraud if your card details are ever stolen.
A safer way to pay with your digital card.
It’s a digital version of your debit or credit card*, stored safely in the Westpac One® app. It comes with a dynamic security code that refreshes after 24 hours to reduce the risk of fraud if your card details are ever stolen.
*Dynamic security code is available for all eligible Westpac debit and credit Mastercard customers. Excludes Business Mastercard, Business Prepaid Mastercard and Global Currency Cards.
What you need to get an Airpoints Debit Mastercard.
- An eligible Westpac transaction account (eligible accounts include a Westpac Everyday, Westpac Easy Access and/or Choices Everyday Home Loan Account).
- To be an Airpoints Member.
Apply for a debit card.
New to Westpac?
You can apply online in minutes for a transaction account and debit card. All you need is your New Zealand Passport or Driver Licence for verification.
Already a Westpac customer?
Apply via Westpac One online banking. If you’re not yet registered for Westpac One, call us on 0800 400 600 and press 7.
Let’s have bank stuff that gets us.
Life’s tricky. Bank stuff shouldn’t be. So, we’re creating tools and rewards that get you and make life a little easier.
Fees.
The Airpoints debit card has an annual fee of $15 (free for the first year). If you're under 19, there is no annual fee. You could pair this up with a Westpac Everyday transaction account which has fee free electronic banking. If you’re at school or studying and have a Career Starter, Tertiary or Graduate Account, we'll waive the annual fee while you qualify for that Account.
Quick help.
Things you should know.
1 Certain purchases and transactions do not earn Airpoints (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.
2 Saving applies to Westpac customers who use an ATM belonging to a member of the Global ATM Alliance only, and is subject to change. Global ATM Allliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees - refer to the Transaction and Service fees brochure for details.
3 Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay see Westpac Apple Pay Terms and Conditions for more information.
4 Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay see Westpac Google Pay Terms and Conditions for more information.
5 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the Card Conditions of Use
6 The annual fee is waived for: customers 19 years and over (fee waived for the first year), customers under 19 years.
7 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.
8 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 brochure for details.
You must be a member of Air New Zealand’s Koru programme to be eligible to earn Airpoints. Koru terms and conditions apply – see airnewzealand.com/en-nz/koru/koru-terms-and-conditions for details.
Airpoints™ is a registered trademark of Air New Zealand Limited
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Eligibility criteria, terms and conditions apply. See:
Westpac One App Terms and Conditions which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use apply.