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Everyday cards.
We have a range of cards to help you manage your money, easily and securely.
Debit & EFTPOS cards.
Spend your money anytime with a debit card or EFTPOS card.
Debit Mastercard®
Simple, versatile and lets you spend your own money in person, online and overseas.
No annual fee for the first year (fully removed for under 19's)
- Use it online, in-store and overseas.
No waiting – add your card to Apple Pay or Google Pay™ right after you apply online.
24/7 protection with CardGuard®.
Airpoints™ Debit Mastercard®
Earn Airpoints Dollars™ on your everyday purchases¹, with New Zealand’s only Airpoints Debit card.
- Earn 1 Airpoints Dollar for every $300 spent on your card¹.
- Use it online, in-store and overseas.
No waiting – add your card to Apple Pay or Google Pay™ right after you apply online.
No annual fee for the first year (fully removed for under 19's).
EFTPOS card
An EFTPOS card is connected to your transaction account, so when you spend, you're using your own money.
- No annual card fee.
- Pop into a branch and we’ll give you an EFTPOS card to start using immediately.
Cashback Wednesdays.
Your daily bus, train or ferry trip just got a little more exciting, with cashback for travel on Auckland public transport! Use your Westpac debit or credit Mastercard to tap on and off public transport in Auckland on any Wednesday in March, and you'll get your daily fare back, up to $10*.
*Eligible Westpac Mastercard debit and credit cards only. Lending and eligibility criteria, and other Terms and Conditions apply. Conditions of use for the applicable card applies.
Credit Cards.
Find the right credit card for you
Card security.
24/7 fraud protection
CardGuard® protects your cards and mobile payments, which means you can enjoy round-the-clock protection from fraudulent activity and unauthorised transactions at no extra cost.
Block & replace
Can't find your card? You can temporarily block or unblock your card in Westpac One® and order a replacement. Learn how to block your card. If your card has been lost or stolen, or someone else has learned your PIN, report your card as lost or stolen immediately. Learn how to report your card lost or stolen.
Safer online shopping
Mastercard® Identity Check is an extra layer of security that helps us make sure it's definitely you that's using your card online.
Travel card.
A smart and safe way to pay in foreign currencies.
Global Currency Card
A prepaid multi-currency card that allows you to spend like a local while you’re overseas or shopping online.
- No card issue fee, no monthly fee and no bank transfer load fee.
- Load up to 9 currencies so you know exactly how much you have to spend.
- Order your card online, load and switch money between currencies online, anytime, anywhere.
Access your money instantly
Start spending before your card arrives in the mail, with Apple Pay or Google Pay™.
Things you should know.
1 Certain purchases and transactions do not earn Airpoints Dollars (See the Debit Card Conditions of Use / Credit Card Conditions of Use for full details), including; fees, charges or interest, 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, and business-related purchases.
2 Third party fees and Westpac charges may apply. For full details refer to the Westpac Fee Free Mastercard® Conditions of Use and the Transaction and Service Fees brochure.
3 Certain purchases and transactions do not earn hotpoints (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 hotpoints Mastercard other than a Westpac BusinessPLUS Mastercard and transactions on any nominated account(s) linked to your hotpoints Mastercard.
You must be a member of Air New Zealand’s Airpoints programme to be eligible to earn Airpoints Dollars. Airpoints terms and conditions apply – see airnewzealand.co.nz/airpoints-terms-and-conditions for details.
Airpoints™ and Airpoints Dollars™ are registered trademarks of Air New Zealand Limited.
hotpoints® is a registered trademark of Westpac Banking Corporation.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Transaction and service fees may apply to the use of these accounts. For details, please refer to the Transaction and Service fees brochure, also available free of charge at any Westpac branch.
Apple Pay and Google Pay are available to all eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple or Android device.
Apple, Apple Pay, Apple Watch, iPad, iPhone and MacBook Pro are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.