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Airpoints™ credit cards.
An Airpoints™ credit card gives you access to credit up to an agreed limit, all while earning Airpoints Dollars™¹.
Options.
^Fees charged in advance in two six-monthly instalments.
1 Certain purchases and transactions are not eligible to earn Airpoints Dollars or Status Points, as applicable. See the applicable Credit Card Conditions of Use for full details. The tiered earn rates will reset at the start of each relevant month (being the statement period set out in your statement).*
2 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.
Eligibility and lending criteria, exclusions, terms and conditions apply. See the specific product page for more information. Interest rates and fees are subject to change without notice. See also how credit card interest works for more information on interest free periods.
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.
Maximise your Airpoints earning power.
Use your card for everyday spending
Purchase your everyday things, like a morning coffee, petrol or groceries with your card, not just big-ticket items, and watch the Airpoints Dollars add up.
Shop once, earn twice
You can earn even more Airpoints Dollars when paying with your Airpoints Mastercard, and again when you scan your Airpoints membership card during the same purchase at over 50 Air New Zealand Airpoints partners.
Enjoy spending your Airpoints Dollars.
Flights
Buy available seats on almost any Air New Zealand flight with your Airpoints Dollars. This includes flights on Star Alliance and partner airlines.
Airpoints Store
You can spend your Airpoints Dollars on over 6,000 products and 500+ New Zealand and international brands available at the Airpoints Store™.
Koru programme
Use your Airpoints Dollars to purchase a Koru membership and get access to Air New Zealand Lounges and a range of other premium travel benefits.
Why Westpac?
24/7 protection
With CardGuard® you’re protected 24/7 from fraudulent activity3. So you can use your card anywhere, anytime, and leave your worries behind.
Smart ways to pay
Enjoy all the benefits of your Westpac credit card using your mobile device with Apple Pay4 or Google Pay™5
Track your spending
CashNav lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.
Things you should know.
*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).
3 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.
4 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.
5 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.
You must be a member of Air New Zealand’s Airpoints™ programme to earn Airpoints Dollars. Airpoints Terms and Conditions apply.
Lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. 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.
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.