Westpac Airpoints Platinum MasterCard NZ’s top pick for Airpoints, low balance transfers and Koru perks

Why Kiwis choose the Westpac Airpoints Platinum MasterCard

The Westpac Airpoints Platinum MasterCard is a top pick for Kiwi travellers who want straightforward Airpoints Dollars on everyday spend. Earn 1 Airpoints Dollar per $110 up to $7,000, then 1 per $220, making this credit card attractive for frequent flyers with Air New Zealand.

Beyond points, the card bundles practical perks like Koru membership benefits, purchase protection and an extended 12-month warranty on eligible buys. For many New Zealanders, that mix of rewards and protection makes the card stand out in local comparisons.

Rates, fees and the standout balance transfer

Understanding the rates matters: the Westpac Airpoints Platinum MasterCard has a purchase rate of 20.95% p.a., cash advance 22.95% p.a., annual fee $125 and up to 44 interest-free days. The real draw is the 5.95% p.a. balance transfer rate for the life of the transfer, which helps Kiwis pay down high-interest debt while still earning Airpoints.

That low balance transfer makes this card a smart choice when consolidating expensive credit. If you are juggling balances across cards, moving them to this Westpac credit card can reduce interest costs while you keep earning Airpoints Dollars on new spend.

Eligibility, credit limit and how to apply

Applicants must be New Zealand residents with stable income and a solid credit history; the minimum credit limit is typically $10,000. Westpac assesses income, expenses, assets and residency status when reviewing applications, so have your ID and proof of income ready when you apply online.

Applying is straightforward via Westpac NZ’s website or a branch. Kiwis should compare offers, check the small print about Airpoints accrual and verify the balance transfer terms to make sure the card fits their financial plan and travel goals.

Maximising Airpoints, Koru perks and everyday value

To squeeze the most value from the Westpac Airpoints Platinum MasterCard, use it for regular household spend and bills to build Airpoints Dollars steadily. Take advantage of the Airpoints Dollar Advance if you are just short of a reward and need to secure a flight or upgrade sooner.

Pair the card with Koru benefits like waived joining fees and membership discounts to save on lounge access and other travel extras. Track spending, use the 44 interest-free days, and consider the balance transfer offer to manage debt while you earn travel rewards across New Zealand and beyond.