Options.

¹Airpoints Dollars and Status Points will be earned on the first $60,000 of eligible spend in each relevant month only. The relevant month is the statement period set out in your statement. Any spend over $60,000 on eligible purchases in each relevant month will not earn Airpoints Dollars or Status Points.

Eligibility and lending criteria, exclusions, terms and conditions apply. See the specific product page for more information. Interest rates and fees are subject to change without notice. See also how credit card interest works for more information on interest free periods.   

    



Zero percent per annum balance transfer

Maximise your Airpoints earning power.

Choose the right Airpoints card for you

If you use your credit card for most of your purchases, a card with a higher Airpoints Dollar earn rate will get you to rewards faster.  

Use your card for everyday spending

Purchase your everyday things, like a morning coffee, petrol or groceries with your card, not just big-ticket items, and watch the Airpoints Dollars add up.

Shop once, earn twice

You can earn even more Airpoints Dollars when paying with your Airpoints Mastercard, and again when you scan your Airpoints membership card during the same purchase at over 50 Air New Zealand Airpoints partners.

Enjoy spending your Airpoints Dollars.

Flights

Buy available seats on almost any Air New Zealand flight with your Airpoints Dollars. This includes flights on Star Alliance and partner airlines.

Book a flight

Airpoints Store

You can spend your Airpoints Dollars on over 6,000 products and 500+ New Zealand and international brands available at the Airpoints Store™.

Explore the store

Koru programme

Use your Airpoints Dollars to purchase a Koru membership and get access to Air New Zealand Lounges and a range of other premium travel benefits.

Join or renew your Koru

Why Westpac?

24/7 protection

With CardGuard® you’re protected 24/7 from fraudulent activity2. So you can use your card anywhere, anytime, and leave your worries behind. 

How CardGuard keeps you safe

Smart ways to pay

Enjoy all the benefits of your Westpac credit card using your mobile device with Apple Pay3, Westpac Pay for Android and more.

Your digital payment options

Track your spending

CashNav lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.

Discover CashNav

How to apply.

Apply online via Westpac One, visit us at a branch, or call us on 0800 177 277 between 8am - 6pm Monday to Friday or 9am - 3pm Saturdays.

We may contact you using the details captured in the application process to see how we can help with your application.

FAQs.

More questions on Airpoints? Get extra help.

Things you should know.

1 Airpoints Dollars and Status Points will be earned on the first $60,000 of eligible spend in each relevant month only. The relevant month is the statement period set out in your statement. Any spend over $60,000 on eligible purchases in each relevant month will not earn Airpoints Dollars or Status Points.

2 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.

3 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple Device.

*Offer ends 10 May 2021, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 12 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. You can transfer up to 95% of your available credit card limit. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card’s Conditions of Use. If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.

You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints Dollars. Airpoints Terms and Conditions Apply.

If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.

Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

Android is a trade mark of Google Inc.