Westpac Airpoints Mastercard – Low NZ$55 Fee and Top Airpoints Rewards for Kiwis
Westpac Airpoints Mastercard rewards everyday spending for Kiwis with a low NZ$55 fee, simple Airpoints earning and travel-friendly benefits
Overview of Westpac Airpoints Mastercard
The Westpac Airpoints Mastercard is a straightforward rewards credit card for Kiwis who want to turn everyday spending into flights and upgrades. With a low annual fee of NZ$55 and sensible perks, it’s built for people who prefer value over flashy extras.
Cardholders earn Airpoints Dollars on everyday purchases and get travel-friendly benefits like the Airpoints Dollars Advance and access to the Global ATM Alliance. It’s a compact option that makes collecting Airpoints predictable and accessible.
Rewards and earning structure
This card earns 1 Airpoints Dollar for every NZ$120 spent, making it simple to track progress towards flights with Air New Zealand and partners. Everyday spending such as groceries, fuel and bills contributes to your next trip without complex category rules.
The Airpoints Dollars are flexible: use them on domestic hops, international return fares, upgrades or at the Airpoints Store. There’s also an Advance feature that lets you claim a reward if you’re just shy of the required Airpoints Dollars.
Fees, interest and balance transfer
With an annual account fee of NZ$55 and additional cards at NZ$15 each, the Westpac Airpoints Mastercard is competitively priced for families and modest spenders. The card also offers up to 55 days interest-free on purchases when you pay your statement in full each month.
While purchase and cash advance rates are higher, the standout is the balance transfer option at 5.95% p.a. for the life of the transferred balance – useful if you need to consolidate debt and save on interest. Note that balance transfers don’t earn Airpoints Dollars.
Who should apply and how to get it
This card suits Kiwi shoppers who want steady Airpoints accumulation without a heavy fee load – ideal for small to medium spenders who value travel rewards. It’s also good for anyone needing occasional overseas cash access via the Global ATM Alliance without extra fees at partner ATMs.
Applying is quick online through Westpac New Zealand; you’ll typically need a clean credit history, proof of income and NZ residency. If you travel domestically or overseas a few times a year, the combination of low fee and practical benefits makes it worth considering.
