Airpoints™ Debit Mastercard®

With the Airpoints™ Debit Mastercard® you can earn Airpoints Dollars™ in more ways than ever before. As well as earning on flights and an Airpoints credit card, you can now earn on your everyday debit card spend. 



What you need to get an Airpoints™ Debit Mastercard®

  • An eligible Westpac transaction account
  • You'll need to deposit a total of at least $500 into your transaction account each month
  • An Airpoints membership number
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Where you can use it

With an Airpoints™ Debit Mastercard®, you can pay for things in millions of places – wherever Mastercard is accepted. Plus, you’ll be earning Airpoints Dollars™ as you go*.

  • Use your Airpoints Debit Mastercard worldwide
  • Access your own money when you’re travelling at overseas banks and ATMs displaying the Mastercard and 
 Cirrus acceptance marks. (ATM fees may apply)
  • Pay no overseas cash withdrawal fee (currently NZ$3) when withdrawing money from a Global ATM Alliance ATM. See the ‘Fees’ tab for more information


Airpoints Debit MasterCard - Fees
Fee typeFee amount
Annual fee The first annual fee will be deducted shortly after your application has been made so ensure sufficient funds are available in the linked transaction account.
(also charged on replacement)
$15 per card
Westpac PayTag Your first Westpac PayTag is free. Replacement of lost or stolen PayTags will cost $4.99 each. Expired PayTags are replaced free of charge. 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.
(First issuance and replacement on expiry)
Fee waived (usually $4.99)
Courier delivery in NZ/Overseas Courier costs where applicable 
Foreign currency fee When using your debit card at an ATM or a foreign purchase (this includes purchasing from overseas websites with a foreign currency). 2.50% of transaction amount
Using an ATM overseas 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 <a href="/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/transaction_service_fees.pdf" target="_blank">brochure</a> for details.
cash withdrawal NZ$3 per transaction
balance enquiry NZ$0.60c per transaction
declined transaction NZ$0.60c per transaction

Fee exemptions

The annual fee is waived for customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs. 

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