Earn Airpoints Dollars Fast with Westpac Airpoints Platinum Mastercard and Koru Perks, NZ’s Top Travel Card
Turn everyday Kiwi spending into Airpoints Dollars with the Westpac Airpoints Platinum Mastercard and Koru Perks for faster, smarter travel across New Zealand
Why Westpac Airpoints Platinum Mastercard fits Kiwi travellers
The Westpac Airpoints Platinum Mastercard is one of the standout credit card options in New Zealand for anyone who flies regularly with Air New Zealand. Its appeal is simple: you earn Airpoints Dollars on everyday spending and convert routine purchases into flights, upgrades or Koru membership discounts.
Kiwis appreciate straightforward rewards that actually get them travelling sooner. With features like Airpoints Dollars Advance and complimentary Koru joining perks, this card works well for families, commuters and business travellers across NZ.
How you earn Airpoints Dollars and Koru perks
This Westpac card earns 1 Airpoints Dollar for every $110 spent up to $7,000 and then 1 Airpoints Dollar per $220 thereafter, plus one Status Point for each $225 spend — handy for maintaining your frequent flyer status. The Koru benefits include a waived joining fee and a discount off a 12-month membership, which is great value if you use lounges or partner perks.
Practical features like Extended Warranty and 90 days Purchase Protection add real peace of mind when buying electronics or appliances in NZ. Those protections combined with Airpoints Dollars earnings make the card a balanced travel-and-security option in the New Zealand credit card market.
Fees, rates and eligibility to know before you apply
Understanding the numbers is crucial: the Westpac Airpoints Platinum Mastercard charges a $125 annual fee, with a purchase rate around 20.95% p.a. and a cash advance rate near 22.95% p.a. The standout is the 5.95% p.a. balance transfer rate for the life of the transfer, which can help manage existing high-interest debt.
Minimum credit limit requirements are typically higher — lenders usually expect a $10,000 limit for this tier — and applicants should be NZ residents with proof of stable income. If your credit history and disposable income line up, the card can deliver strong value for everyday spenders and travellers.
Top tips to maximise Airpoints Dollars and travel value
Use the Westpac Airpoints Platinum Mastercard for regular household bills, groceries and fuel to build Airpoints Dollars steadily without changing habits. Take advantage of the 44-day interest-free period by clearing purchases on time, and use the low balance transfer rate to consolidate expensive balances before opening the card.
Leverage Airpoints Dollars Advance if you’re a few points short of a booking, and pair Koru discounts with seasonal fare deals from Air New Zealand for the best travel savings. Regularly review your statements, track Status Points and plan redemptions to make the most of the Westpac Airpoints Platinum Mastercard benefits.