Westpac hotpoints World MasterCard New Zealand’s best rewards credit card for Kiwi travellers with Priority Pass lounge access
Westpac hotpoints World MasterCard turns everyday spending into hotpoints, unlocks 1,300+ Priority Pass lounges worldwide and includes up to 120 days travel cover for Kiwi travellers
Rewards and everyday value
The Westpac hotpoints card turns everyday spending into a steady stream of hotpoints, ideal for Kiwis who want rewards without fuss. You typically earn 2 hotpoints per $1 spent up to $15,000 each month, then 1 hotpoint after that, so routine bills and supermarket rounds add up quickly.
Hotpoints are flexible: redeem for flights, gift cards or gear through the rewards catalogue. If you’re after a credit card that actually pays back for daily spending, this one delivers consistent value for frequent shoppers and families across Aotearoa.
Travel perks and lounge access
This premium rewards card includes Priority Pass access to more than 1,300 airport lounges worldwide, a proper win for travellers who value comfort on long hauls. For many Kiwis flying to and from Auckland, Wellington or Christchurch, lounge access makes transfers and delays a lot more bearable.
On top of lounges, the card offers travel insurance covering up to 120 days per trip, which is handy for extended trips overseas. Combine that protection with the rewards programme and you’ve got a travel-focused credit option that suits seasonal and full-time travellers alike.
Costs, rates and eligibility
There’s a $285 annual fee, which is reasonable given the lounge access and travel cover, but it pays off only if you use the perks. Interest-free days are 44 days on purchases; standard purchase rate sits at 16.95% p.a., while cash advances are charged at 22.95% p.a.
Minimum credit limit is typically $18,000 and a balance transfer offer of 5.95% for the life of the transferred balance may be available. Prospective applicants should check income and identity requirements and be ready with payslips or IRD statements.
Is this the right Kiwi credit card for you?
If you travel often and want a rewards credit card that bundles lounge access and solid travel insurance, this Westpac hotpoints rewards option could be one of the best fits in New Zealand. It’s tailored to those with good credit and regular spend who will redeem hotpoints for travel or lifestyle rewards.
However, if you rarely fly or won’t use the travel benefits, the annual fee might outweigh the gains. Compare with lower-fee or cashback cards if your priority is low cost rather than premium perks, and always weigh the total cost of ownership against the value you expect to extract.