Westpac Airpoints™ Platinum Mastercard®

Go Platinum for impressive Airpoints Dollar™ earning power, on top of discounted Koru membership, ability to earn Status Points, travel insurance and more.


Highlights of the Airpoints™ Platinum Mastercard

  • earn one Airpoints Dollar for every $75 spent on the card1
  • earn one Status Point for every $225 spent on the card1
  • join Air New Zealand Koru programme and the joining fee will be waived, and receive a $145 discount off a standard 12-month Individual Membership rate2
  • with Airpoints Dollars Advance you can get up to 200 extra Airpoints Dollars advanced to you if you don’t have quite enough for a reward4
  • your Airpoints Dollars will never expire, as long as you’re a cardholder5
  • up to 35 days of overseas travel insurance6
  • Extended Warranty Insurance of 12 months for goods purchased on your Airpoints™ Platinum Mastercard, and Purchase Protection Insurance too6

More great features

  • apply to transfer your balance to the Airpoints Platinum Mastercard, and if successful you could pay 5.95% p.a. for the life of the balance transferred3 
  • up to 44 days interest-free credit on all your purchases. Conditions apply^
  • grab a joint or additional card for only $25 a year.
  • link your other Westpac accounts to your card so you can access them at the checkout and ATMs when you use your Airpoints Platinum Mastercard. 
  • use your credit card to withdraw cash from overseas banks and ATMs displaying the Mastercard and Cirrus acceptance marks.5
  • 24-hour credit card emergency assistance over the phone.
  • extended gifting to up to two people
  • with CardGuard™ you’re protected 24/7 from fraudulent activity8. So you can use your card anywhere, anytime and leave your worries behind.
  • 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 Alliance.7,9
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 Platinum Mastercard.

Airpoints Dollars and Status Points

With a Westpac Airpoints Platinum Mastercard you’ll earn one Airpoints Dollar for every $75 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

Status Points allow you to upgrade your Airpoints membership status to Silver, Gold or Elite if you earn enough Status Points in a 12-month period. Each level of membership gives you access to exclusive benefits with Air New Zealand, such as lounge access and upgrade privileges.

More about Status Points

Koru membership

Your AirpointsTM Platinum MasterCard welcomes you to join Air New Zealand’s ‘Koru programme, waiving the joining fee of $255 and giving you a discount of $145 off the cost of a 12-month Individual Membership rate3. You’ll enjoy access to Air New Zealand Lounges when travelling on an Air New Zealand operated flight with an Air New Zealand ticket, access to premium check-in, priority baggage and complimentary Frequent Flyer seating plus many more benefits*.

Koru Programme Terms and Conditions apply.

More about Koru

Overseas Travel Insurance

When you use your Airpoints Platinum Mastercard to book travel, and pay in advance, you could be covered for up to 35 days per round trip. And if your family travels with you, they may be covered too.6

Before you travel, call AIG on 0800 465 322 to make sure you’re covered and check out the policy document for full information (you can also get a copy from any Westpac branch).

Get extra protection on your purchases

Pay for purchases with your Airpoints credit card and you’ll also receive:

  • Purchase Protection6: This acts a little like contents insurance – purchases paid in full on the card could be covered for up to 90 days if lost, stolen or accidentally damaged.
  • Extended Warranty6: Automatic extension of a manufacturer’s New Zealand warranty to up to 12 months on items you pay for in full on your card.
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 Platinum Mastercard has a minimum credit limit of $10,000

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)10. View payment options here.


Airpoints Platinum 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 Platinum Mastercard - Fees
Fees on this page are current as at 20 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 $150 per year
Paid in two 6-monthly instalments of $75.
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
$25 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.