Westpac Airpoints Mastercard, low NZ$55 fee and fast Airpoints earning for Kiwis

Why Westpac Airpoints Mastercard suits Kiwis

The Westpac Airpoints Mastercard is a solid pick for Kiwis who want Airpoints Dollars without a hefty annual fee. With a low NZ$55 fee and a straightforward earn rate, the card makes everyday spending work towards flights, upgrades and shop rewards on Air New Zealand and partners.

Whether you live in Auckland or a smaller town, this card balances cost and benefits. It’s tailored to New Zealand spending habits and gives families a practical way to pool points with an extra cardholder for just NZ$15 a year.

Fast Airpoints earning and low annual fee

Cardholders earn 1 Airpoints Dollar for every NZ$120 spent, which is easy to follow and track. For many Kiwis who prefer not to chase complex reward categories, that simplicity delivers consistent Airpoints accumulation on groceries, petrol and bills.

At NZ$55 per year, the Westpac Airpoints Mastercard keeps costs down while still offering value. The modest fee means small to medium spenders can realistically reach a reward threshold without paying more in annual charges than they gain in Airpoints Dollars.

Practical perks for travel and everyday use

Beyond earning Airpoints Dollars, the card offers travel-friendly perks Kiwis use: an Airpoints Dollars Advance to cover a shortfall when booking, up to 55 days interest-free on purchases when you pay your statement, and no international transaction fees at Global ATM Alliance ATMs. These features help when planning domestic hops or saving on overseas cash withdrawals.

The card also includes a competitive 5.95% p.a. balance transfer option for the life of the balance, which is useful if you’re consolidating higher-interest debt. Just bear in mind balance transfers don’t earn Airpoints Dollars, so decide based on whether interest savings or rewards matter more to you.

Fees, eligibility and how to apply

Costs are straightforward: NZ$55 annual fee, NZ$15 for additional cardholders, and higher purchase and cash advance interest rates if you carry a balance. To get the card you’ll typically need a good credit history and proof of stable income, and Westpac processes many applications online for a quick response.

If you want to make the most of the Westpac Airpoints Mastercard, use it for everyday spend that you would normally pay for anyway, clear your statement each month to keep interest at bay, and consider adding a trusted family member as an additional cardholder to speed up Airpoints earning. Apply online or visit a Westpac branch to check eligibility and start earning Airpoints Dollars fast.