Debit Mastercard®

A handy alternative to your credit card, and more versatile than an EFTPOS card. Debit Mastercard® is linked to your transaction account*, so you can spend your own money online and overseas.

It's for you if:

  • you want to buy things online, over the phone, or overseas
  • you want to stay in control of your spending (by using your own money, not credit)

Highlights of the Debit Mastercard

Your Debit Mastercard is simply linked to one of your eligible Westpac transaction accounts and savings accounts*. So when you use your Debit Mastercard, you’re using the money in your account (including any prearranged overdraft funds available).

  • use it to buy things online, over the phone, and overseas
  • use it anywhere Mastercard is accepted (in NZ and overseas)
  • use your own money – so there’s no bill to pay every month
  • it doubles as an EFTPOS card
  • the annual fee is waived if you are under 19 years old.
  • for customers 19 years and over, the annual fee is waived for the first year.
  • the annual fee is waived for customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, each year for the life of the Pacs.
  • a quick and easy application process (you can apply online, or in branch)
  • access to a broad range of local and global experiences across dining, travel, retail and entertainment. With offers handpicked for Mastercard cardholders, spoil yourself at
  • we protect your Debit Mastercard with Westpac Online Guardian, our online security system. There are no special codes or gadgets to worry about just a single username and password chosen by you
  • use your card at over 35 million locations worldwide
  • view your account  balance(s) 24/7 via ATMs or online banking
  • use your Debit Mastercard to withdraw cash from overseas banks and ATMs displaying  the Mastercard and Cirrus acceptance marks. (Higher interest rates for cash advances and ATM fees may apply)
  • pay no overseas cash withdrawal fee (currently NZ$2) when withdrawing money from a Global ATM Alliance ATM#
Monitor your card spend in real time

CashNav is our new money management app that connects with your debit card to automatically track and categorise what you spend.

Find out more

Where you can use it

With a Debit Mastercard, you can pay for things in more places - and in more ways - than a standard ATM or EFTPOS card.

  In New ZealandOverseasOnline, phone or mail order purchases Cash withdrawal at EFTPOS 
Westpac standard ATM/EFTPOS card Yes Yes Yes Rarely No At retailer's discretion
Westpac Debit MasterCard Yes Yes Yes Yes Yes At retailer's discretion
Note: You can only access the available funds in your linked transaction account*. This may include any prearranged overdraft facility on the account. The hotpoints® reward scheme is not available on Westpac Debit Mastercard.




Debit Mastercard fees

Debit & EFTPOS cards - Fees
Fee typeFee amount
Annual fee Westpac ATM/Eftpos card no fee 
Westpac Debit MasterCard $10 per card#
Additional Westpac ATM/EFTPOS card no fee 
Westpac PayTag Westpac PayTag® has a $4.99 charge when issued or replaced (if lost, stolen or expired). 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.
Charge applies when issued or replaced (if lost, stolen or expired).
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. 
Westpac ATM/Eftpos card 1.4% of transaction amount
Westpac Debit MasterCard* 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)

Apply now

Who can get a Debit Mastercard?

To be eligible to apply for a Debit Mastercard, you must

  • be 15 years of age or over**
  • have an eligible Westpac transaction account to link to your card*

Already using our Online Banking?

You can apply for a Debit Mastercard online. Here’s how:

  • Login to Online Banking.
  • On the ‘Welcome/account balances’ page from the left hand navigation bar, select 'Debit Mastercard' under 'I want a...'
  • A new screen will appear, select 'Apply now'.

> login to Online Banking to apply now

New to Westpac?

Find out more about your application options here.

Or download a Debit Mastercard application form and bring it to your nearest Wespac branch. Don't forget to bring:

  • proof of ID and your current address: click here for a list of acceptable verification documentation.
  • your IRD number and your current Westpac bank account number(s)