Airpoints™ FAQs

How do I transfer my credit card from my current provider to Westpac?

Simply apply on our website to open a new card account. We’ll help you through the steps to make your transfer as easy as possible including a balance transfer option for moving any outstanding balance you may have over to Westpac so you can close your current card account.

Why should I change to a Westpac Airpoints™ credit card?

Westpac’s card options are a great choice. We could help you get rewarded faster with high Airpoints™ earn rates and exclusive benefits¹. We have a range of Airpoints™ cards to choose from so take a look and find the card that suits you. Check out our credit cards.

When can I start using my card?

Once you’ve been approved for a Westpac Airpoints credit card, it should be with you within 10 business days. Depending on your circumstances, you may need to visit a Westpac branch to load a secure PIN and verify your identity, address and income.

If you have transferred from another Westpac credit card or pre-selected your PIN, activate your card by;

• using it with your PIN at any EFTPOS terminal, or
• requesting an account balance or cash withdrawal at any ATM

I currently have a hotpoints® credit card and I want an Airpoints credit card – what should I do?

You can use Westpac One online banking to apply to open a new credit account or apply to transfer your existing card here. Make sure you redeem your hotpoints as soon as possible as they’ll expire 10 business days from the date you apply to close your hotpoints credit card account or apply to switch to a non hotpoints Westpac credit card, such as an Airpoints credit card.

Once you apply to cancel your hotpoints credit card or your application to transfer to an alternative Westpac credit card has been submitted, you will not be able to do the following during the ten business day expiry period:

• redeem hotpoints online (only over the phone by calling 0800 861 862);
• redeem hotpoints for holiday credits or e-vouchers or SpendBack; or
• use the Points + Pay mechanism.

To explore your reward options visit hotpoints.co.nz and to check your hotpoints balance or redeem your hotpoints, phone 0800 861 862 (Mon-Fri, 8.30am to 5pm)².

What happens to my hotpoints if I move to an Airpoints credit card?

Your hotpoints will expire 10 business days after you submit your application to transfer to an  Airpoints™ credit card. You can redeem your hotpoints online before transferring². Or, once you have submitted your application to transfer to an Airpoints credit card, you can explore your reward options at hotpoints.co.nz and check your hotpoints balance or redeem your hotpoints by calling 0800 861 862 (Mon-Fri, 8.30am to 5pm). If you’d like to continue earning hotpoints rewards, you can open an Airpoints credit card account and have both!

I’ve been approved for a new Westpac Airpoints credit card, how do I choose a PIN?

You will need to select a PIN at one of our Westpac branches, bringing appropriate ID with you (read about what these are here).

I selected the wrong PIN / I want to change my PIN

You can change your PIN once you receive your card. You can do this by visiting one of our branches with an appropriate form of ID (learn about ID types here).

I already have a Westpac credit card and have applied for an Airpoints credit card. If I don’t want two credit cards am I able to join these together?

Yes, please contact us on 0800 226 573 and we’ll look to combine your accounts for you.

My card has been sent to the wrong address – what should I do? 

Please call us on 0800 226 573 to make sure your contact details are correct.

I’ve started my application on the Westpac website but I need to go and do something – will my application be saved?

If you close or refresh the window, your progress won’t be saved. But you can leave the window open, return to it within a short period of time and the information will still be there as you left it.

I’ve been waiting for my card and it hasn’t arrived – what should I do?

Call us on 0800 226 573 to ensure your contact details are correct, and we’ll track where your card is.

I’ve requested to transfer my balance but it hasn’t happened yet – what should I do?

Please contact us on 0800 226 573 and we’ll look into it for you.

If I transfer my balance from another credit card, will I earn Airpoints Dollars on that balance?

No, Airpoints Dollars can only be earned on purchases. Cash advances and balance transfers are excluded from earning Airpoints Dollars¹.

How do I get a Westpac Airpoints™ World Mastercard®?

Simply apply online, in branch, or by calling our Contact Centre to open a new Airpoints World Mastercard account. We'll help you through the steps to make your application as easy as possible including a balance transfer option for moving any outstanding balance you may have with another provider over to Westpac so you can close your current credit card account.

I usually pay my credit card by direct debit; do I need to a set up a new one on my Westpac Airpoints credit card?

If this is a new credit card, then yes, you’ll need to arrange a new direct debit for your new card by completing a direct debit application, which you can download here or pick up at any Westpac branch.

If you are transferring into a Westpac Airpoints Mastercard from another Westpac credit card, we will automatically transfer any existing direct debit arrangement to your new Westpac Airpoints Mastercard. 

In both instances however, please remember to change over any subscription services you may have (such as iTunes) and regular payments (e.g. your power company, telecommunications or public transport provider) - to your new card.

What about regular payments I make with my credit card like insurance or gym membership? How do I set these up on my new Westpac Airpoints™ Mastercard®?

These payment arrangements are agreements between yourself and the payee. To continue this payment arrangement you’ll need to advise these payees of your new credit card number and expiry date.

Do I have to open a transaction or savings account with Westpac to get the credit card?

No. You may wish to open a transaction and/or savings account with Westpac to consolidate your banking all in one place, but it’s not a requirement.

What do I need to do now that I’ve received my Westpac Airpoints credit card?

You will need to visit a Westpac branch to load a secure PIN and/or verify your identity, address and income.

If you have transferred from another Westpac credit card you'll need to activate your card by:

• using it with your PIN at any EFTPOS terminal, or
• obtaining an account balance or cash withdrawal at any ATM.

If I take advantage of the 5.95% p.a. balance transfer offer, what interest will I pay on my new purchases?

You'll pay the standard purchase interest rate on any new purchases you make with your card since purchases made do not qualify for the 5.95% p.a. rate. The 5.95% p.a. rate only applies to transferred balances until you have paid off that debt. It’s important to note that all credit card repayments you make will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. This means any balance transfer amount won't start being paid off until any cash advances or purchases made on your card have been paid in full. Please see the balance transfer page for more information and terms and conditions^*.