Airpoints™ Debit Mastercard®

With NZ's only 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



Pay with your mobile

Use your smartphone for secure, fast and easy contactless payments with Apple Pay or Westpac Pay for Android. Find out how >


Track your spending

Your debit card links to CashNav, so you can automatically categorise and track your spending. Find out how >


Block your card

Temporarily block your debit or credit card if you misplace it, then unlock it if you find it. Find out how >


Pay no annual fee for the first year

If you're 19 years old or over, we'll waive the annual fee for the first year and if you're under 19, we'll waive the annual fee completely.


Pay no Global ATM fees

Pay no international transaction fees# when you use your card at an ATM of any of our Global ATM Alliance ATMs 


Use it anywhere

Around the corner, or around the world, there are 35 million locations around the world where Mastercard is accepted. 



Airpoints Debit Mastercard - Fees
Fee typeFee amount
Annual fee $15 per card#
Westpac PayTag 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.
Replacement card $10 per card
Courier delivery in NZ/Overseas Courier costs where applicable 
Foreign currency fee 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.  1.4% 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 19 years and over (fee waived for the first year)
  • Customers under 19 years
  • Customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs
  • SuperGold Card holders (fee waived for the first year)

View all fees Hide all fees


This is the only debit card in New Zealand that earns Airpoints Dollars™, rewarding you for your everyday spending*. Use it like an EFTPOS card as well as online, over the phone and overseas while you’re protected 24/7^ against fraudulent activity with CardGuardTM. We’ll also sign you up to Westpac One®, our award-winning online banking service.

An Airpoints Debit Mastercard can be used just like an ordinary EFTPOS card, but with some important added benefits. For a start, you’ll earn Airpoints on your everyday purchases*. And you can use it anywhere Mastercard is accepted, online, over the phone, and overseas. An Airpoints Debit Mastercard also comes with the added protection of CardGuard™.

An Airpoints Debit Mastercard complements your Airpoints credit card. If you have both cards, you’ll be making the most of earning Airpoints Dollars on all your spending*.

To apply for a debit card, you must be 15 years or older. For customers under 18 years old, a parent or guardian must complete a section of the application form and sign to accept the terms and conditions in person at a Westpac branch. If you're under 18, give us a call to make an appointment at your nearest branch.

You can withdraw up to $800 at a time from an ATM. To get more cash, make two or more withdrawals. (This limit is in place because the machines can't actually dispense more than 40 notes at once).

  • For domestic ATM cash withdrawals there is a $3,000 limit per day
  • For international ATM cash withdrawals there is a $2,000 limit per day

This is to ensure no one can fraudulently empty your account if they discover your PIN number. This includes weekends and holidays.

We also limit your total EFTPOS spending and ATM withdrawals in one day to $10,000. If you've used a Gold, Business or Premium credit card for your EFTPOS purchase your daily limit may be higher. The limit will be dropped a few minutes after midnight.

  • For example: If you buy $9,500 worth of jewellery in one day with EFTPOS (as you do), you will only be able to withdraw $500 that day from an ATM machine.

How can I get around this limit?

The daily limit is in place to protect against fraud, and we cannot switch it off for you.

However, the limit applies to your card rather than your account. So if it's a joint account and the other account holder has their own card, you could ask for their help to double your limit.

Other cards to consider

Canstar Bank of the year-Everyday Banking
Canstar Bank of the year, Youth Banking