Airpoints™ benefits.

  • Earn 1 Airpoints Dollar™ for every $95 spent on eligible purchases your card up to (and including) $15,000 then 1 Airpoints Dollar for every $190 spent on your card each month¹.
  • Earn one Status Point for every $225 you spend on your card on eligible purchases¹ and climb Airpoints™ membership tiers to enjoy exclusive travel benefits.
  • Two complimentary Valet Parking eVouchers each year².
  • Koru membership joining fee waived, plus get a $145 discount off a 12-month individual membership⁴.
  • 200 Airpoints Dollars Advance available to you if you’re a little short on what you need for a reward⁹.
  • Airpoints Dollars earned while you hold this card type will have no expiry date⁹.

Card benefits.

  • Priority Pass lounge access to over 1,500 airport lounges around the world³.
  • Up to 120 days of overseas travel insurance per round trip⁵.
  • Extended Warranty Insurance of up to 12 months for goods purchased on your Airpoints World Mastercard, plus 90 days Purchase Protection that could cover loss, theft or accidental damage⁵.
  • Six monthly account fee of $155 waived if you spend $50,000 or more between your fee charges⁶.
  • Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services. Hotel, flights and card programs especially curated for you by Mastercard⁷.
  • Up to 44 days interest free on purchases when you pay off your balance in full by the payment due date⁸ (more about credit card interest-free periods).
  • Make contactless payments without a PIN for transaction amounts up to the local country limit.

What is a credit card?

A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is accepted. 

With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website

If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.

If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards

How to apply.

Apply online, via Westpac One or visit us at a branch.

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

Keeping you safe.

24/7 protection

With CardGuard® you’re protected 24/7 from fraudulent activity11. So you can use your card anywhere, anytime, and leave your worries behind.

How CardGuard keeps you safe

24-hour assistance

Whether you have lost your credit card or it’s been stolen, we’re always on hand to help. You can also apply a temporary block in Westpac One® online banking.

Help with lost or stolen cards

Safer online shopping

Mastercard® Identity Check is an extra layer of security that helps us make sure it’s definitely you that’s using your card online.

Two friends shopping for jacket.


Interest rates are subject to change.

Up to 44 Interest free days on purchases when you pay off your balance in full by the payment due date⁸. More about credit card interest-free periods.


Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.

Ready to travel?


More questions on Airpoints or credit cards? Get extra help.

Things you should know.

1 Certain purchases and transactions do not earn Airpoints Dollars or Status Points, as applicable (see the applicable Credit Card Conditions of Use for full details), including: fees, charges or interest, balance transfers, credit card repayment insurance, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling), cash withdrawals from your account, money orders, travellers cheques and foreign currencies in cash, business-related purchases made with a Westpac Airpoints credit card other than a Westpac Airpoints Business Mastercard and transactions on any nominated account(s) linked to your Westpac Airpoints credit card. Status Points are earned on applicable credit cards only.  The tiered earn rates will reset at the start of each relevant month (being the statement period set out in your statement).

2 Valet Parking eVouchers will be automatically loaded and stored in your Airpoints 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 Airpoints credit card benefits

3 Use of your Priority Pass card and access to Priority Pass airport lounges are subject to the Priority Pass Terms and Conditions. Airline, airport and other travel industry employees or contractors may not be eligible for access. 

4 May only be used in conjunction with Koru Individual Memberships. Koru programme terms and conditions apply. Koru joining fee and/or Koru annual membership fee will not be refunded if it has already been paid to Air New Zealand.

5 Terms, conditions, exclusions and eligibility criteria apply (see applicable policy document for details), including a minimum spend for business travel. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.

6 $310 per year. Fee charged in advance in two six-monthly instalments of $155 each. This is refunded when you spend $50,000 or more in the previous six-monthly period.

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

8 Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances are not purchases and have no interest free days. See credit card interest-free period page for how it works.

9 For details on Airpoints Dollars Advance and Airpoints Dollars expiry see 

10 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$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 Transaction and Service Fees Brochure for details. 

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

12 Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay, see Westpac Apple Pay Terms and Conditions for more information.

13 Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay, see Westpac Google Pay Terms and Conditions for more information.

14 Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. 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®. 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. Interest rates 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

If you only make the minimum repayment 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.

Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

Mastercard®  is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Terms and conditions

Eligibility criteria, lending criteria, terms and conditions apply. See:

View terms and conditions for all our credit card products