Westpac Airpoints World Mastercard NZ travel card for Kiwi travellers earning Airpoints, lounge access and low rates
Westpac Airpoints World Mastercard helps Kiwi travellers maximise Airpoints, access over 1,300 Priority Pass lounges and enjoy competitive NZ rates
Why Westpac Airpoints World Mastercard works for Kiwi travellers
The Westpac Airpoints World Mastercard is tailored for New Zealanders who travel frequently and value real rewards. With Airpoints Dollars earnings on everyday spend, a Priority Pass that opens over 1,300 lounges and travel insurances included, the card turns routine purchases into flights, upgrades and travel experiences across NZ and overseas.
For Kiwis comparing cards, the clear selling points are the balance transfer rate and the travel perks. The card’s structure suits those who want both a competitive purchase rate and Airpoints Dollars accumulation without sacrificing airport comfort.
Key features, rates and what you actually earn
Cardholders earn Airpoints Dollars with every dollar spent, gaining 1 Airpoints Dollar per $95 up to $15,000 and 1 per $190 thereafter, plus Status Points on eligible spend. The purchase rate sits at 16.95%, cash advances at 22.95% and a balance transfer offer of 5.95% for the life of the transferred balance.
Annual fee is NZ$310 and you get up to 44 interest-free days on purchases when you pay the balance in full. Extras include two valet parking eVouchers per year, waived Koru joining fee and discounted Koru membership options that make frequent flyers feel valued.
Travel protections, lounge access and practical benefits
Access to over 1,300 Priority Pass lounges globally gives a proper travel upgrade for domestic and international trips. The card includes up to 120 days overseas travel insurance per round trip, plus Extended Warranty Insurance and 90 days Purchase Protection, which is handy for electronics and big purchases bought in NZ.
Having lounge access and travel cover bundled into one card reduces the need to buy separate travel insurance or premium lounge memberships. For many Kiwis, the combination of Airpoints Dollars, travel cover and airport comfort is the decisive factor when choosing this card.
How to apply, eligibility and final thoughts
Applying is straightforward: gather proof of income like a recent payslip or IRD earnings summary, ID such as a passport or NZ driver licence, and bank statements. Westpac assesses income, expenses and credit history, and applicants must be New Zealand residents meeting the bank’s criteria.
If you fly regularly and want to maximise Airpoints Dollars while enjoying lounges and solid travel insurance, the Westpac Airpoints World Mastercard is worth considering. Apply online or visit a Westpac branch to check eligibility and get the card working for your next trip.