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Account fees are invoiced and direct debited monthly from your nominated fee account.
Cardholder fees are deducted from the balance of the card.
Fees are subject to change.
Business credit & prepaid card fees.
Interest rates and fees are subject to change. Some other service fees may apply from time to time.
Airpoints Business Mastercard - Fees.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee description | Fee amount |
| Annual account fee Paid in two 6-monthly instalments of $72.50. | $145 per year |
| Cash advance in New Zealand - using Westpac ATM | Free |
| Cash advance in New Zealand - using other ATM | Free |
| Cash advance overseas - Global ATM Alliance ATM | Free1 |
| Cash advance overseas - other ATMs or at bank branches | $0 per transaction (NZ$)2 |
| Joint/additional card | $25 p.a. |
| Replacement card Plus courier delivery costs in NZ/overseas where applicable. | $0 per card |
| Foreign currency fees3 | 2.50% of transaction amount |
1 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply - see the Transaction and Service Fees brochure or Business Transaction and Service Fees brochure for details.
2 Note: An ATM service fee may be charged by the ATM provider.
3 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.
BusinessPLUS Mastercard with hotpoints - Fees.
Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee description | Fee amount |
| Annual account fee Paid in two 6-monthly instalments of $50. | $100 per year |
| Cash advance in New Zealand - Westpac ATM | Free |
| Cash advance in New Zealand - other bank ATMs | Free |
| Cash advance overseas - using Global ATM Alliance ATMs4 | Free |
| Cash advance overseas - using other ATMs or at bank branches5 | $0 per transaction (NZ$) |
| Joint/additional card | $25 p.a. |
| Replacement card Plus courier delivery costs in NZ/overseas where applicable. | $0 per card |
| Foreign currency fee6 | 2.50% of transaction amount |
4 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply - see the Transaction and Service Fees brochure or Business Transaction and Service Fees brochure for details.
5 Note: An ATM service fee may be charged by the ATM provider.
6 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.
Business Mastercard - Fees.
Fees on this page are subject to change. Some overseas banks and ATMs may charge an extra fee for a cash advance.
| Fee description | Fee amount |
| Card fee (Up to 25 cards) | $50 per card, per year |
| Smart Data fee | $35 per card, per year |
| Data feed fee | $9 per card, per year |
| Cash advance in New Zealand - Westpac ATM | Free |
| Cash advance in New Zealand - other bank ATMs | Free |
| Cash advance overseas - using Global ATM Alliance ATMs7 | Free |
| Cash advance overseas - using other ATMs or at bank branches8 | $2 per transaction (NZ$) |
| Replacement card Plus courier delivery costs in NZ/overseas where applicable. | $10 per card |
| Foreign currency fee9 | 2.50% of transaction amount |
7 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply - see the Transaction and Service Fees brochure or Business Transaction and Service Fees brochure for details.
8 Note: An ATM service fee may be charged by the ATM provider.
9 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.
Business Prepaid Mastercard - Fees.
| Fee type | Gift and Single Load cards | Multiload and MultiloadPLUS cards | Charge cycle |
| Card production fee | $8 | $8 | One-off, per card |
| Ongoing card fee | N/A | $4 | Monthly, per card |
| Postage and handling | $10 + GST | $10 | Per order - no minimum volume |
Account holder fees - customisable (optional)
| Fee type | Gift and Single Load cards | Multiload and MultiloadPLUS cards | Charge cycle |
| Cardholder portal branding | Free | Free | Per instance |
| Cash withdrawal functionality | N/A | Free | Per instance |
| Customised card design | $1,000 + GST initial card design. Custom cards have a minimum order of 1,000. | $1,000 + GST initial card design. Custom cards have a minimum order of 1,000. | Per design, one-off. Card production fees still apply. |
| Light branding card design | $150 + GST | $150 + GST | Per request, one-off Card production fees still apply. |
| Additional training | $100 + GST | $100 + GST | Per hour, phone based |
Cardholder fees
| Fee type | Fee | Charge cycle |
| Cash withdrawal fee Domestic/Overseas ATM10 Cash withdrawals are available on MultiloadPLUS only. | $3 | Per withdrawal |
| ATM balance enquiry fee | $1.50 | Per enquiry |
| Foreign currency conversion fee11 | 3.50% | Of converted amount |
| Dispute fee (refunded if upheld) | $15 | Per enquiry |
| Voucher copy fee | $15 | Per enquiry |
10 Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand). The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to use of Westpac Mastercards at ATMs belonging to any member of the Global ATM Alliance and is subject to change. Global ATM Alliance member banks are subject to change. All other international and standard fees apply, including foreign currency conversion fees - refer to the Business Transaction and Service Fees brochure for details. An ATM service fee may be charged by the ATM provider.
11 A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.