Kiwis Choose Westpac Airpoints Platinum Mastercard as New Zealand’s Top Travel Credit Card for Airpoints and Low Rates

Why Kiwis pick the Westpac Airpoints Platinum Mastercard

The Westpac Airpoints Platinum Mastercard stands out in New Zealand as a travel-focused credit card that actually pays off for frequent flyers. With clear Airpoints earnings and Koru perks, this card is tailored to Kiwis who value straightforward rewards and sensible fees.

This credit card combines practical day-to-day benefits with travel advantages, making it a strong choice whether you fly regularly with Air New Zealand or want reliable purchase protection. For many New Zealanders, the balance between rewards and costs makes this card competitive in the local market.

Airpoints earnings, Koru membership and travel perks

You earn Airpoints Dollars easily with the Westpac Airpoints Platinum Mastercard: 1 Airpoints Dollar per $110 spent up to $7,000, then 1 per $220 thereafter, plus Status Points on qualifying spend. The Airpoints Dollars Advance feature is handy when you’re just short of a reward and want to book sooner rather than later.

Membership perks include discounted or waived Koru joining fees and a discount off a 12-month Koru membership, which is useful for lounge access and other traveller benefits. These features make the Westpac Airpoints Platinum Mastercard attractive to frequent flyers who want simpler, more usable rewards in New Zealand.

Rates, fees and eligibility in NZ terms

Key costs are transparent: an annual fee of $125, purchase rate around 20.95% p.a., cash advance about 22.95% p.a., and a lifetime balance transfer rate at 5.95% for transferred balances. The card offers up to 44 interest-free days, helping you manage spending if you pay on time each month.

Eligibility reflects New Zealand lending norms — you’ll usually need to be a NZ resident with proof of stable income, a reasonable credit history and a minimum credit limit of $10,000. Understanding these requirements up front improves your chances of approval and helps you choose the right credit card for your finances.

Maximise rewards and how to apply

To get the most from the Westpac Airpoints Platinum Mastercard, use it for regular household spend to accumulate Airpoints Dollars without overspending, and use the 44-day interest-free period to avoid interest charges. Consider balance transfers for high-rate debt thanks to the competitive 5.95% rate, but check terms and any transfer fees first.

Applying is straightforward via Westpac’s website: prepare ID, proof of income and details of your expenses, then complete the online form and await assessment. If you want an NZ-focused travel credit card with solid Airpoints rewards and useful Koru perks, this Westpac card should be on your shortlist.