Benefits.

  • No annual fee for the first year.
  • Annual fee waived completely for under 19 year olds.
  • Spend your money, your way – online and at millions of locations globally.
  • Make contactless payments without a PIN for transactions up to $200.
  • No international transaction fees when you use your card at our Global ATM Alliance ATMs¹.

Features.

Pay with your mobile

Make fast, easy and secure contactless payments with Apple Pay2 or Westpac Pay for Android. 

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 transactions3 at no extra cost.

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 money and more.

Tools and resources

Fees.

Our Debit Mastercard has an annual fee of $10 (free for the first year). Pair this up with a Westpac Everyday Transaction account which has fee free electronic banking.

If you’re under 19, there is no annual fee. If you’re at school or studying and have a Career Starter Pac, Tertiary Pac or Graduate Pac for the life of the pac, or SuperGold card , you could also enjoy an Airpoints debit card with no annual fee.

Fees are subject to change.

Apply for a debit card.

New to Westpac?

Call us on 0800 400 600 to book an appointment at your nearest branch. When you come in, you'll need to bring some ID, such as your New Zealand passport or your driver licence as well as proof of your address.

Call 0800 400 600

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

EFTPOS cards.

If you don't need to spend online, an EFTPOS card is a good option. It's connected to your transaction account, so when you spend, you're using your own money. It's free to get one, and there's no annual card fee.

Get one in branch

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

3 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card's Conditions of Use

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

5 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.  

6 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.  

7 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.

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

Android is a trade mark of Google Inc.

Eligibility criteria, terms and conditions apply. See: