Westpac Airpoints Mastercard NZ, Low $55 Annual Fee and Fast Airpoints for Kiwis

Quick overview of the Westpac Airpoints Mastercard

For Kiwis who want to turn everyday spending into Airpoints Dollars, the Westpac Airpoints Mastercard is a solid pick. With a low annual fee of NZ$55 and easy earning mechanics, this card suits folks who prefer value over flashy perks.

It earns 1 Airpoints Dollar for every NZ$120 spent, offers up to 55 days interest-free on purchases and includes Airpoints Dollars Advance so you can claim a reward even when you’re a little short. That straightforward setup makes it simple to plan travel on Air New Zealand.

How you earn and use Airpoints Dollars

Everyday purchases like groceries, fuel and bills all count toward Airpoints accumulation, helping Kiwis build rewards without changing habits. The Airpoints Dollars you collect can be used for flights, upgrades or to spend in the Airpoints Store with familiar Air New Zealand partners.

There’s also a practical advance feature: if you’re just shy of a reward, the Airpoints Dollars Advance bridges the gap so you don’t miss out. Remember that balance transfers don’t earn Airpoints Dollars, so stick to card spending to grow your points balance.

Fees, interest and balance transfer offers

The headline is a low NZ$55 p.a. fee, plus NZ$15 for additional cardholders — handy for families pooling spending to earn points faster. That modest fee keeps the card attractive for small to medium spenders who don’t want a heavy yearly cost eating into their rewards.

On the flipside, standard purchase and cash advance interest rates are high, so the card best suits those who pay off balances each month. If you need to clear other debt, the 5.95% p.a. balance transfer offer for the life of the transferred balance can be useful, but transferred amounts won’t earn Airpoints.

Who should apply and how to get started

The Westpac Airpoints Mastercard is ideal for Kiwis who spend moderately and want quick, reliable Airpoints accumulation without hefty fees. If you travel domestically or internationally with Air New Zealand, the card’s simplicity and Airpoints integration make it practical for everyday use.

Applying online is straightforward: you’ll need to meet Westpac’s standard eligibility checks like a steady income and a reasonable credit history. Keep spending on essentials, clear your balance monthly and you’ll see Airpoints Dollars pile up toward your next trip.