hotpoints® World Mastercard®

Welcome to the Westpac World Mastercard, New Zealand's premier credit card account designed exclusively for our clients. To create this card, we've carefully collated a special collection of features and benefits, which perfectly complement the demands of a successful lifestyle. 




Earn 3 hotpoints for every $1 spent on your card1. You can redeem your hotpoints for anything, anywhere Mastercard is accepted*, using hotpoints Pay®, or via the hotpoints website. Browse our range of rewards here.


Airport lounge access2. Escape the chaos of international travel with Priority Pass lounge access, giving you entry to over 1000 airport lounges around the world.


Overseas travel insurance for up to 120 days per round trip, with no limit to the number of trips you can take each year3. (See 'more details' tab for more information)


Purchase Protection insurance cover3 and extended warranty insurance for your purchases. See 'more details' tab for more information.


Mastercard Travel and Lifestyle Services4. Visit to 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 Mastercard.


Westpac CardGuard® protects you 24/7 from fraudulent activity. Misplaced your card? Temporarily block or unblock your card with Card Blocker

cc ap merchandise

Apply to transfer your balance to a Westpac credit card and you could pay only 5.95% p.a. for the life of the balance transferred5.


Monitor your card spend in real time with CashNav - our money management app. Find out more.

Other features:

  • Contactless technology for fast and convenient payments (under the local country limit*) on the go with Mastercard® contactless.
  • Link your other Westpac accounts to your Mastercard, so you can access them at the checkout and ATMs. 
  • Up to 44 days interest free credit on your retail purchases. Conditions apply^
  • Pay no international transaction fee (usually $2) when withdrawing money overseas from an ATM within the Global ATM Alliance6. See 'rates, fees & more' for more details. 
More details

hotpoints® rewards

With a hotpoints World Mastercard, you’ll earn 3 hotpoints on every dollar you spend on your card1, and redeem them for our wide range of rewards. 


hotpoints rewards 
You can use your hotpoints on just about anything*. With hotpoints Pay you can use your hotpoints for purchases at millions of local, international and online retailers,  anywhere Mastercard is accepted*. There’s also a wide range of rewards you can redeem for via the hotpoints website, so take a look at what your points could get you. 


How to earn hotpoints
Here's how to earn hotpoints with your Westpac hotpoints credit card.

How to redeem your hotpoints
It's simple to turn your hotpoints into great rewards.

 Find out more at to see how you could reward yourself with a Westpac hotpoints credit card.

Overseas Travel Insurance

You could be covered for up to 120 days per round trip, when you travel overseas and use your credit card for your prepaid travel costs3. A minimum spend applies for different travel regions. Family members travelling with you may also be covered when a minimum amount is pre-paid on the card.

Before you travel, make sure you’re covered and check out the policy document for full information. You can download a copy here or get a copy from any Westpac Branch or call AIG on 0800 465 322. 

Rates, fees & more

Minimum credit limit

hotpoints 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)7. View payment options here.


World Mastercard - Interest rates
CardInterest 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.


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.
Fee typeFee amount
Annual account fee $390 per year
Paid in two 6-monthly instalments of $195. Spend $50,000 or more in the 6-month period between your fee charges and we'll waive your next 6 monthly fee.
Joint/additional card
Your first joint or additional card is free. Supplementary cards are $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="" target="_blank">Transaction and Service Fees brochure</a> or <a href="" 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.
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.