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Debit Mastercard®.
A debit card that lets you spend your own money online, in store and overseas with no annual card fee.
Benefits.
- No annual fee.
- Spend your money, your way - online, in store and overseas.
- No waiting - add your card to Apple Pay or Google Pay™ right after you apply online.
- 24/7 CardGuard® fraud protection.
- No international transaction fees when using Global ATM Alliance ATMs¹.
Unlock unforgettable experiences with presale tickets.
Access Mastercard Presale and Preferred tickets, plus Priceless Experiences, with your Westpac debit or credit Mastercard.
Features.
Use it online, overseas, or with your mobile
Your 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 Pay2 or Google Pay™3.
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.
Airpoints™ Debit Mastercard.
With New Zealand’s only Airpoints earning debit card¹ you can earn Airpoints on your everyday spend and treat yourself to a holiyay. Or earn at a higher rate with an eligible Airpoints credit card.
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.
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.
Fees.
Our Debit Mastercard has no annual card fee. You could pair this up with a Westpac Everyday transaction account which has fee free electronic banking.
Fees are subject to change.
Things you should know.
1 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 Alliance 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.
2 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.
3 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.
4 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use
5 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.
6 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.
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.
Airpoints™ is a registered trademark of Air New Zealand Limited.
Certain purchases and transactions do not earn Airpoints. See the applicable Debit Card Conditions of Use / Credit Card Conditions of Use for full 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.
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.