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Everyday cards.
Compare our cards and find the one that suits the way you spend.
Choose your debit card.
Love live music? This one’s for you.
Be in to win one of ten prizes of $2,500 worth of gigs across New Zealand and Australia, plus $1,000 spending money.
Open a Westpac Everyday account, add a debit card, pay with your mobile wallet, and you’re in.
Prize draw T&Cs apply.
Unlock unforgettable experiences with presale tickets.
Access Mastercard Presale and Preferred tickets, plus Priceless Experiences, with your Westpac debit or credit Mastercard.
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.
Compare credit cards.
Find the right credit card for youCard 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.
Other cards.
Things you should know.
* Dynamic security code is available for all eligible Westpac debit and credit Mastercard customers. Excludes Business Mastercard, Business Prepaid Mastercard and Global Currency Cards.
1 Certain purchases and transactions do not earn Airpoints Dollars (See the Debit Card Conditions of Use / Credit 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 Third party fees and Westpac charges may apply. For full details refer to the Westpac Fee Free Mastercard® Conditions of Use and the Transaction and Service Fees brochure.
3 Certain purchases and transactions do not earn hotpoints (see the applicable Credit Card Conditions of Use for full details), including: fees, charges or interest, balance transfers, credit card repayment insurance, 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, business-related purchases made with a hotpoints Mastercard other than a Westpac BusinessPLUS Mastercard and transactions on any nominated account(s) linked to your hotpoints Mastercard.
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.
Debit Mastercard Conditions of Use apply.
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 airnewzealand.co.nz/airpoints-terms-and-conditions for details.
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.
hotpoints® is a registered trademark of Westpac Banking Corporation.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Transaction and service fees may apply to the use of these accounts. For details, please refer to the Transaction and Service fees brochure, also available free of charge at any Westpac branch.
Apple Pay and Google Pay are available to all eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple or Android device.
Apple, Apple Pay, Apple Watch, iPad, iPhone and MacBook Pro are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.
Westpac One App Terms and Conditions which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use apply.