• Earn 1 Airpoints Dollar™ for every $250 spent on your card on eligible purchases¹.
  • No annual fee for the first year.
  • Annual fee waived completely for under 19 year olds.
  • No international transaction fees when you use your card at our Global ATM Alliance ATMs.
  • Make contactless payments without a PIN for transactions up to $200.


Use Airpoints Dollars for rewards

Reward yourself with flights and other travel benefits, or choose from thousands of items online at the Airpoints Store.

More about Airpoints rewards

Pay with your mobile

Make fast, easy and secure contactless payments with Apple Pay3. 

Smart ways to pay

24/7 fraud protection

CardGuard® protects your cards and mobile payments, which means you can enjoy round-the-clock protection from fraudulent activity and unauthorised transactions at no extra cost4.

How CardGuard keeps you safe

Use it anywhere

Use it online, over the phone and at over 35 million locations around the world where Mastercard® is accepted.

Ways to bank

Bank on the go

With Westpac One® online banking you can manage your money, temporarily block a card or even open a savings account using your smartphone, tablet or computer.

Online banking

Smart money tools

We've got a range of free tools to help you track and categorise your spending, set up alerts, manage your income and more.

Tools and resources


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.

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.
  • You'll need to deposit a total of at least $500 into your transaction account each month.

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.

Apply online

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.

Apply now

Things you should know.

Eligible purchases exclude cash withdrawals, payments to the IRD or ACC, payments for cash-equivalents (such as money orders and gambling chips or gambling transactions (including online gambling) and business-related purchases. See the Debit Card Conditions of Use for full details of all excluded transactions. Airpoints Dollars will be earned on the first $60,000 of eligible spend in each relevant month only. The relevant month is the statement period set out in your statement. Any spend over $60,000 on eligible purchases in each relevant month will not earn Airpoints Dollars.

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 all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard and Global Currency cards. Customers also need a compatible Apple Device.

4 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the Card Conditions of Use

5 The annual fee is waived for: customers 19 years and over (fee waived for the first year), customers under 19 years.

6 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.  

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 Airpoints programme to be eligible to earn Airpoints Dollars. Airpoints terms and conditions apply – see for details.

Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

Eligibility criteria, terms and conditions apply. See: