Westpac Airpoints Business Mastercard for NZ Small Businesses, Earn Airpoints Dollars and Simplify Accounting

The Westpac Airpoints Business Mastercard is a smart fit for Kiwi small businesses that want to separate personal and business spend while earning meaningful travel rewards. With clear BankLink transaction feeds and business-focused features, this card helps streamline accounts and turn everyday NZ$ purchases into Airpoints Dollars and Status Points.

Keep business and personal spend tidy

Using the Westpac Airpoints Business Mastercard makes bookkeeping less painful by keeping business transactions distinct and providing BankLink-compatible transaction data for your accountant. That tidy feed saves time at tax time and reduces reconciliation headaches for small practices and sole traders across Aotearoa.

Card controls and additional cardholder options let you manage who spends on the account, keeping spend visible and accountable across the team. That separation supports cleaner GST claims and better cashflow tracking for Kiwi firms.

Earn Airpoints Dollars and Status Points on everyday NZ$ spend

This business card earns Airpoints Dollars and Status Points on eligible purchases: typically 1 Airpoints Dollar per NZ$75 and 1 Status Point per NZ$225 spent. Those Airpoints Dollars can be redeemed for Air New Zealand flights, upgrades, or items from the Airpoints Store, making routine business buying work harder for your travel budget.

Accumulating Status Points helps you climb the Airpoints membership ladder toward Silver, Gold or Elite perks like lounge access and priority check-in. Cardholders also get Koru membership discounts, which is handy for regular travellers from Wellington to Queenstown or international routes.

Travel and purchase protections that matter

The Westpac Airpoints Business Mastercard includes purchase protection, extended warranty cover and, when you meet the spend criteria, overseas travel insurance for up to 35 days for you and family travelling with you. Those insurances add real peace of mind for Kiwis booking trips or buying equipment for the business.

For smaller firms and sole traders, these built-in protections reduce the need for separate policies and help protect key purchases. Always check the product disclosure statement and T&Cs for limits, exclusions and activation steps before relying on cover.

Practical tips to maximise rewards and simplify accounting

To get the most from the Westpac Airpoints Business Mastercard, use it for regular supplier payments and travel booking to boost Airpoints Dollars and Status Points, and add an additional cardholder if tasks are shared. Pay balances in full to keep the up-to-44 interest-free days benefit and avoid cash advance fees, which erode rewards value.

Talk to your accountant about BankLink setup to automate reconciliation, compare fees and interest rates if you plan to carry a balance, and consider Koru and Airpoints Store redemptions that make sense for your team. If you run a Kiwi business that travels, this card can be an efficient way to combine accounting ease with real travel rewards.