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
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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 $15 per card#
Westpac PayTag Westpac PayTag® has a $4.99 charge when issued or replaced (if lost, stolen or expired) however if you have a Westpac <span>Airpoints™ Debit Mastercard, <span>Westpac <span>Airpoints™ </span>World Mastercard® or a </span></span>Westpac hotpoints® World Mastercard®, the fee is waived. 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.
Fee waived (usually $4.99)
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)

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