Westpac hotpoints World MasterCard NZ, earn 2 hotpoints per $1 plus Priority Pass lounge access
For Kiwis who travel and spend, the Westpac hotpoints World MasterCard rewards everyday purchases with 2 hotpoints per $1, Priority Pass lounge access and travel insurance
Why Kiwis choose the Westpac hotpoints World MasterCard
The Westpac hotpoints World MasterCard is a premium rewards credit card designed for New Zealanders who travel and spend regularly. With 2 hotpoints per NZ$1 on everyday purchases up to NZ$15,000 and 1 hotpoint thereafter, this card makes it simple to rack up rewards fast.
Kiwis get more than points – the card bundles Priority Pass lounge access, solid travel insurance and a benefits package that suits frequent flyers and everyday spenders alike. If you value perks and flexibility, this card delivers strong value for those who use its travel benefits.
Key benefits and costs that matter
Top features include access to over 1,300 Priority Pass lounges worldwide, travel insurance covering up to 120 days per trip, and a rewards catalogue that lets you redeem hotpoints for flights, gift cards or gear. The hotpoints program is flexible and useful across a wide range of redemptions.
Costs to weigh up include the NZ$285 annual fee and interest rates that apply for purchases, cash advances and balance transfers. The card also offers 44 days interest-free on purchases when you pay the statement balance in full each month, but it suits those who can comfortably carry the annual fee for premium perks.
Eligibility and how to apply in New Zealand
Applicants usually need to be New Zealand permanent residents with a clean credit record and proof of income. Westpac looks at pay slips, bank statements, IRD summaries or signed accounts for self-employed Kiwis, so have your documents ready to speed up approval.
Applying online is straightforward through Westpac NZ or visiting a local branch. Make sure you meet the minimum credit limit requirement and double-check any other fees or conditions on Westpac’s official pages before applying to avoid surprises.
Who benefits most and how to maximise hotpoints
The Westpac hotpoints World MasterCard suits frequent travellers and households with regular monthly spend who will use lounge access and travel insurance enough to offset the annual fee. If you fly often or want a rewards card that earns quickly, this card is a solid contender among New Zealand credit cards.
To maximise hotpoints, put recurring bills and large purchases on the card, use it for groceries and fuel, and monitor bonus offers and partner deals. Redeem smartly for flights or travel extras to get the best value from your hotpoints and the Priority Pass membership.