Westpac Airpoints™ World Mastercard®

The Westpac Airpoints™ World Mastercard, with the added privileges of a premium credit card account, such as Status Points and Priority Pass for lounge access, this card has it all.

Benefits

Highlights of the Westpac Airpoints World Mastercard

earn one Airpoints Dollar for every $65 spent on the card¹
earn one Status Point for every $225 spent on the card¹
join Air New Zealand's 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 reward³
enjoy two complimentary Valet Parking eVouchers each year⁴
your Airpoints Dollars will never expire, as long as you’re a cardholder⁵
Priority Pass lounge access to over 900 airport lounges around the world⁶
up to 120 days’ overseas travel insurance⁷
Extended Warranty Insurance of 12 months for goods purchased on your Airpoints Dollar earning card, and Purchase Protection Insurance too⁷
Access to a wide range of travel experiences with Mastercard Travel Lifestyle Services⁸.

More great features

apply to transfer your balance to the Airpoints World Mastercard, and if successful you could pay 5.95% p.a. for the life of the balance transferred⁹
up to 44 days interest-free credit on all your purchases. Conditions apply^
grab a joint or additional card for only $100 a year
extended gifting to up to two people
link your other Westpac accounts to your card so you can access them at the checkout and ATMs when you use your Airpoints World Mastercard
use your credit card to withdraw cash from overseas banks and ATMs displaying the Mastercard and Cirrus acceptance marks¹⁰
24-hour credit card emergency assistance over the phone
an embedded microchip for greater card security
contactless technology for fast and convenient payments (under the local country limit¹¹) on the go with Mastercard® contactless
pay no international transaction fee (usually $2) when withdrawing money overseas from an ATM within the Global ATM Alliance¹²

Monitor your card spend in real time

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

Find out more

More details

Westpac Airpoints™ World Mastercard® benefits

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

Airpoints Dollars^TM and Status Points

With a Westpac Airpoints World Mastercard you’ll earn one Airpoints Dollar for every $65 spent on purchases¹you make in store and online, including purchases at the Airpoints Mall. 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 AirpointsWorld 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

Koru Valet Parking

Receive two complimentary Koru Valet Parking vouchers per annum for 24 hours complimentary Koru Valet Parking at Auckland or Christchurch Airports. The eVouchers will be automatically loaded into your online Air New Zealand account, and are valid for a 12 month period. Additional services such as grooming and dry cleaning are available by arrangement from Koru Valet staff at an additional cost. See here for more details.

Overseas Travel insurance

When you book travel and pay in advance, you could be covered for up to 120 days per round trip. And if your family travels with you, they could be covered too.⁷

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 Protection⁷: 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 Warranty⁷: Automatic extension of a manufacturer’s New Zealand warranty to up to 12 months on items you pay for in full on your card.

Priority Pass Airport Lounge Access⁶

Escape the chaos of international travel with Priority Pass lounge access, giving you entry to over 900 airport lounges around the world.

Find the current list of lounges here

Mastercard Priceless Cities

Your Westpac Airpoints World Mastercard gives you access to unforgettable experiences with Priceless® Cities; and a selection of offers and discounts on dining, entertainment, shopping and travel with Priceless® Specials.

Check out Mastercard Priceless Cities

Rates, fees & more

Minimum credit limit

Airpoints World MasterCard has a minimum credit limit of $18,000

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)¹⁵. View payment options here.

Rates

Card	Interest rates
Airpoints World Mastercard - Interest rates
Purchases (and other fees & charges)	16.95% 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.

Fees

Fee type		Fee amount
Airpoints World Mastercard - Fees
Fees on this page are current as at 21 January 2021 and are subject to change. Some overseas banks may charge an extra fee for a cash advance.
Annual account fee		$390 per year Paid in two 6-monthly instalments of $195. Spend $50,000 or more in a 6 month period between your fee charges and we'll waive your next 6 monthly fee.
Joint/additional card		$100 per year ($50 every 6 months)
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.
Cash advance overseas	using other ATMs or at bank branches	NZ$2 per transaction Note: An ATM service fee may be charged by the ATM provider.
Late payment fee		$8 per late payment
Card over limit Applies where you exceed your account credit limit during any statement period.		$1
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.

View Terms and Conditions

Payments will be applied to charges and accrued interest, then to cash advances and purchases, followed by balance transfers. If you have multiple balance transfer rates, payments will first be applied to the balances transferred at the highest interest rate

Westpac's credit card lending criteria apply to all applications and transfers. Westpac's Conditions of Use for the applicable credit card apply.

If you make only a minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance. Westpac's credit card lending criteria apply to all applications and transfers. Conditions of Use for the applicable credit card apply. If you use a Westpac credit card which has an outstanding balance transfer, balance transfer terms & conditions apply (see westpac.co.nz/bt).

^If you have paid your last statement period closing balance in full, you will start your current statement period with a $0 balance owing. When you start your current statement period with a $0 balance owing, do not have a transferred balance on your credit card and pay your statement closing balance in full by its due date, you will get up to 44 days interest-free on your purchases. Cash advances are not purchases and have no interest free days. See credit card interest-free period page for how it works.

¹ The following purchases and transactions do not earn Airpoints Dollars™ or Status Points (see the Westpac Credit Card Conditions of Use for the applicable card for full details): fees and interest; balance transfers; credit card repayment insurance; purchases of Airpoints Dollars using Airpoints Advance facilities; gambling chips or gambling transactions (including online gambling); cash advances or withdrawals made from ATMs or over the counter at a bank; money orders, travellers cheques and foreign currencies in cash; any transaction that is reversed, refunded or charged back; transactions on any nominated account(s) linked to your Westpac Airpoints credit card; and business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard. Status Points earned on applicable credit cards only.

² May only be used in conjunction with one year Koru Individual Memberships. Koru terms and conditions apply - see airnewzealand.co.nz/koru-terms-conditions. Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.

³ For details on Airpoints Dollars Advance see airnewzealand.co.nz/airpoints.

⁴ Valet Parking eVouchers will be automatically loaded and stored in your Air New Zealand online account, and are valid for a 12 month period. Each eVoucher entitles you to 24 hours complimentary Valet Parking at Auckland, Wellington or Christchurch Airports. For more details refer to https://www.airnewzealand.co.nz/airpoints-credit-card-benefits#parking.

⁵ For details on Airpoints Dollars expiry see airnewzealand.co.nz/airpoints.

⁶ Use of your Priority Pass card and access to Priority Pass airport lounges are subject to the Priority Pass Terms and Conditions (https://prioritypass.com/Conditions-of-use). Airline, airport and other travel industry employees or contractors may not be eligible for access.

⁷ Terms, conditions, exclusions and eligibility criteria apply to insurance cover. Minimum spend required for business travel. Please see the Westpac Airpoints World Mastercard insurance policy document for details. The availability of insurance is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Westpac Airpoints World Mastercard Travel, Extended Warranty and Purchase Protection Insurances are arranged by Westpac New Zealand Limited and are underwritten by AIG Insurance New Zealand Limited (AIG). Westpac does not guarantee the obligations of, or any products issued by AIG.

⁸Any costs incurred by using the Mastercard Travel Lifestyle Services are at the cardholder’s expense.

⁹ Rate will apply to balance(s) transferred until that balance(s) is paid off. 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. Payments made to your Westpac credit card will first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. Interest rates and fees are current as at 21 January 2021 and are subject to change without notice. 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. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. You must close any facilities indicated in this application as being repaid by the Balance Transfer.

¹⁰ Higher interest rates for cash advances and other bank ATM fees may apply.

¹¹ For local country limit amount visit westpac.co.nz/contactlesslimit

¹² The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies if you use your Westpac Mastercard at an ATM belonging to a member of the Global ATM Alliance, and is subject to change. Global ATM Alliance banks and their details are subject to change. All other international and standard fees apply including foreign currency conversion fees – refer to the Transaction and Service fees brochure for details.

If you make only a minimum payment each statement period, 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^TMprogramme to be eligible to earn Airpoints Dollars^TM. Airpoints terms and conditions apply – see airnewzealand.co.nz/airpoints-terms-and-conditions for details.

Any service benefits that are associated with the use of your card which are provided by a third party supplier may be withdrawn by Westpac at any time. Westpac will not be responsible for the quality or suitability of any goods or services provided.

This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.

Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.