Westpac Airpoints™ Mastercard®

If you’re ready to get into earning Airpoints Dollars™ and don’t want a high annual credit card account fee, our Airpoints™ Mastercard is the way to go.


Highlights of the Westpac Airpoints Mastercard

  • earn one Airpoints Dollar for every NZD$120 spent on the card1.
  • this is our Airpoints credit card with the lowest annual credit card account fee.
  • with Airpoints Dollars Advance you can get up to 50 extra Airpoints Dollars advanced to you if you don’t have quite enough for a reward2.
  • up to 55 days interest-free credit on all your purchases. Conditions apply^

More great features

  • apply to transfer your balance to the Airpoints Mastercard, and if successful you could pay 5.95% p.a. for the life of the balance transferred3
  • link your other Westpac accounts to your card so you can access them at the checkout and ATMs when you use your Airpoints Mastercard. 
  • grab a joint or additional card for only $15 a year.
  • use your credit card to withdraw cash from overseas banks and ATMs displaying the Mastercard and Cirrus acceptance marks4.
  • 24-hour credit card emergency assistance over the phone.
  • extended gifting to up to two people
  • an embedded microchip for greater card security.
  • contactless technology for fast and convenient payments with Mastercard PayPass.
  • pay no international transaction fee (usually $2) when withdrawing money overseas from an ATM within the Global ATM Alliance5.
Monitor your card spend in real time

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

Find out more
More details

Westpac Airpoints Mastercard benefits

Let’s take a closer look at some of the key benefits of your Airpoints Mastercard.

Airpoints Dollars

With a Westpac Airpoints Mastercard you’ll earn one Airpoints Dollar for every $120 spent on purchases you make in store and online, including purchases at the Airpoints Mall2. Each Airpoints Dollar equals one New Zealand dollar, so it’s simple for you to figure out what rewards you can afford with your Airpoints Dollars.

Learn more about the Airpoints programme

Mastercard Priceless Cities

Head to the Mastercard® Priceless® Cities page to find offers specially selected for Mastercard cardholders. You’ll find a broad range of local and global experiences across dining, travel, retail and entertainment. 

Check out Mastercard Priceless Cities

Rates, fees & more

Minimum credit limit

Airpoints Mastercard has a minimum credit limit of $500

Repayment options

Pay your card off in full or make any payment above the monthly minimum (either 2% or $5 of the balance owing  - whichever is greater)6. View payment options here.



Airpoints Mastercard - Interest rates
CardInterest rates
Purchases (and other fees & charges) 20.95% p.a.
Balance transfer rate
Transfer balances from another bank’s credit card, overdraft, personal loan, or hire purchase agreement to a Westpac credit card.
More on balance transfers
5.95% p.a. on the balance transferred for the life of the balance.
Cash advance rate

22.95% p.a.



Airpoints Mastercard - Fees
Fees on this page are current as at 25 January 2021 and are subject to change.
Some overseas banks may charge an extra fee for a cash advance.
Fee typeFee amount
Annual account fee $55 per year
Paid in two 6-monthly instalments of $27.50.
Cash advance in NZ using an ATM Free per transaction
at other bank ATMs Free per transaction
Westpac branch teller $3 per transaction
Cash advance overseas using Global ATM Alliance ATMs Free  Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand).The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the  <a href="https://www.westpac.co.nz/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/transaction_service_fees.pdf" target="_blank">Transaction and Service Fees brochure</a> or <a href="https://www.westpac.co.nz/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/business_transaction_and_service_fees.pdf" target="_blank">Business Transaction and Service Fees brochure</a> for details.
using other ATMs or at bank branches NZ$2 per transaction Note: An ATM service fee may be charged by the ATM provider.
Joint/additional card
$15 per year
Late payment fee $8 per late payment
Card over limit
Applies where you exceed your account credit limit during any statement period.
Replacement card
where original card is lost, damaged or stolen
$10 per card
Courier delivery in NZ/overseas Courier costs where applicable 
Foreign currency fee 1.4% of transaction amount 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.