Westpac Airpoints Mastercard
Best for: Airpoints on a Mastercard, with a low rate on balance transfers
Pros
- Westpac's lowest-fee Airpoints credit card
- The 5.95% p.a. balance transfer rate lasts for the life of the balance
- Up to 55 interest-free days
Cons
- Earn rate halves after NZ$3,500 of spending in a month
- 1.83% foreign currency fee
- 20.95% p.a. purchase rate
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Westpac Airpoints Mastercard costs NZ$70 a year and earns 1 Airpoints Dollar per NZ$150 on your first NZ$3,500 each month. Balance transfers are 5.95% p.a. for the life of the balance.
Westpac Airpoints Mastercard at a glance
| Issuer | Westpac |
| Card network | Mastercard |
| Annual fee | NZ$70 |
| Rewards rate | 1 Airpoints Dollar per NZ$150 on the first NZ$3,500 each month, then 1 per NZ$300 |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 20.95% p.a. |
| Foreign transaction fee | 1.83% |
| Credit needed | Aged 18 or over, NZ citizen or permanent resident living in NZ; details of income, spending and debts |
| Best for | Airpoints on a Mastercard, with a low rate on balance transfers |
Key features
- 1 Airpoints Dollar per NZ$150 on the first NZ$3,500 spent each month, then 1 per NZ$300
- 5.95% p.a. on balance transfers for the life of the balance transferred
- Up to 55 interest-free days on purchases
- 50 Airpoints Dollars Advance available
- Joint or additional card NZ$15 a year
Pros
- Westpac's lowest-fee Airpoints credit card
- The 5.95% p.a. balance transfer rate lasts for the life of the balance
- Up to 55 interest-free days
Cons
- Earn rate halves after NZ$3,500 of spending in a month
- 1.83% foreign currency fee
- 20.95% p.a. purchase rate
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: westpac.co.nz
How it compares with similar New Zealand cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
WestpacAirpoints Mastercard 5302 0549 8846 7052 VALID THRU 04/30AVERY PATEL Westpac Airpoints MastercardAirpoints on a Mastercard, with a low rate on balance transfers |
NZ$70/yr | 1 Airpoints Dollar per NZ$150 on the first NZ$3,500 each month, then 1… | None | 1.83% | Aged 18 or over, NZ citizen or… | |
American ExpressAirpoints 3442 881687 76970 VALID THRU 06/32MORGAN LEE American Express Airpoints CardEarning Airpoints with no annual fee |
None | 1 Airpoints Dollar per NZ$100 on eligible purchases | 0% p.a. on purchases for the first 6 months | 2.5% | Proof of income required; see… |
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