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Westpac Airpoints World MasterCard – enjoy lounge benefits and high Airpoints dollar earn rate

Westpac Airpoints World MasterCard

The Westpac Airpoints World MasterCard is a high-end Air New Zealand Airpoints earning Mastercard with a $390 annual fee. The card comes with complimentary travel insurance, waived joining fees for Koru Club membership, plus Priority Pass and World MasterCard benefits.

  • Earn 1 Air New Zealand Airpoints Dollar for every $65 on domestic spend, and 1 Airpoints Dollar for every $50 on overseas spend.
  • Joining fee waiver for Air Zealand Koru Club
  • Priority Pass membership
  • Earn 1 Air New Zealand status point for every $225 spent
  • Overseas Travel Insurance
  • $390 p.a. annual fee

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The Westpac Airpoints World MasterCard is a high-end Air New Zealand Airpoints dollars earning MasterCard. Also comes with waived joining fee and member discount to Air New Zealand’s Koru club, complimentary Priority Pass and other benefits.

Digging into the details of the Westpac Airpoints World MasterCard

Card Details

CardWestpac Airpoints World Mastercard
Loyalty programAir New Zealand Airpoints
Points earned from spend1 Air New Zealand Airpoints Dollar for every $65 domestic spend
1 Air New Zealand Airpoints Dollar for every $50 NZD equivalent on overseas spend
1 Status Point for every $225 spent
Travel benefitsFree Koru Joining fee and discount on membership,
complimentary Priority Pass membership
Included insurancesTravel and purchase protection insurances
Annual fee$390

Earning Airpoints Dollars from spend with Westpac Airpoints World MasterCard

The Westpac Airpoints World MasterCard will earn you 1 Airpoints Dollar for every $65 spent on the card in NZ dollars, with an effective earn rate of 0.0154 Airpoints Dollars per dollar spent.

This is the 2nd highest Airpoints Dollar earn rate for spend in NZ, only pipped by the American Express Airpoints Platinum which earns 1 APD for every NZ$59 spent with a $195 annual fee.

Where the Westpac Airpoints World MasterCard comes out on top is for frequent overseas travellers and on-line foreign retail shoppers, with overseas and foreign currency spend earning 1 APD per NZ$50 equivalent spent, at an effective 0.02 Airpoints per dollar spent.

As most Kiwis and others with previous experience of the Air NZ’s Airpoints program know, it is not a complex program – 1 Airpoints Dollar = $1 of flight credit with Air New Zealand when it comes to redemption time and making use of the points earned with the card.

Airpoints Dollars Advance & Non-expiry

Westpac will also provide an extra 200 APD advance (kind of like an overdraft facility) to the primary card holders Airpoints account, a useful extra benefit of the card when just a little short of a chosen Airpoints dollar redemption with Air New Zealand.

The primary cardholders Air NZ APD’s will also never expire as long as the Airpoints member remains a current Westpac Airpoints World MasterCard cardholder.

Earning Airpoints Status from spend

Alongside the Airpoints Dollars earned, you also earn Airpoints Status Points with your spend, with an earn rate of 1 status point for every $225 spent.

The earn rates for Status Points on spend are not high enough to make a huge dent in what you need to achieve status with Air New Zealand, with Gold membership requiring 900 Status Points and half of those have to be earned from Air New Zealand or Star Alliance partner flights.

Even if you maxed out the 450 Tier Points toward elite status, with the Status Points earned from the card you’d need to spend $101,250 on the Westpac Airpoints World MasterCard to earn them, so for all but the biggest spenders, Status Points will just be a portion of your status earn to help top you up.

As a comparison, the Air New Zealand Airpoints Platinum Mastercard from Kiwibank earns 1 status point for every $200 spent on the card from a much lower $150 annual fee, but also comes with much less included benefits.

Priority Pass membership

The Westpac Airpoints World MasterCard provides annual complimentary membership to Priority Pass, a global network of private and contracted airport lounges, including the Auckland Emperor lounge, along with both the Christchurch and Queenstown Mania lounges.

In total there are over a 1,000 Priority Pass airport lounges located around the world all accessible prior to departing flights with current membership and valid boarding pass.

Koru Club fee reductions

Air New Zealand’s Koru lounge membership program offers Air New Zealand lounge access for a member and a guest when travelling on an Air New Zealand flight, regardless of class of travel.

You’ll also get access to the impressive LAX Star Alliance lounge, along with Virgin Australia lounges when travelling with Virgin Australia in Australia, and priority check-in for Air New Zealand flights.

The standard joining fee of $255 is waived for Westpac Airpoints World MasterCard cardholders, while the annual membership fee is reduced by $145 to $454 annually, which helps cover the cost of the annual fee of the card if you were going to be buying membership anyway.

Koru Valet Parking

Each year the primary cardholder will receive two complimentary Koru Valet parking eVouchers automatically loaded onto their Airpoints membership account.

The eVouchers will entitle the member to one day’s (24 hours) access to either Christchurch or Auckland airports Koru Valet parking service.

Starwood Preferred Guest Gold status upgrade with the Airpoints World MasterCard

The Westpac Airpoints World MasterCard also comes with Starwood Preferred Guest Gold status after a one night stay, alongside the increased points earn on overseas transactions.

World MasterCard products in the Asia-Pacific region are all eligible for an upgrade to Starwood Hotels Gold status after a single paid stay at any Starwood hotel in the region.

While there are no current Starwood hotels in New Zealand Gold status can be handy for those who stay with Starwood in Australia or the Pacific Islands, and comes with the following benefits:

  • Earn three Starpoints for every U.S. dollar spent on eligible stays — a 50% bonus over the entry-level preferred status
  • 4 p.m. late checkout (when available)
  • An upgrade to an enhanced room at check-in: corner room, higher floor, or better
  • A choice of welcome gift upon arrival: choose from bonus Starpoints, complimentary in-room Internet or a drink
  • Earn one Starpoint per dollar spent on most Delta flights, and one Starpoint per dollar on eligible Emirates flights

With the Marriott and Starwood merger now in full swing, Starwood Gold is also matchable to equivalent status with Marriott hotels globally, increasing the value of the benefit.

If you’ve also registered for Emirates ‘Your World’ rewards with Starwood, Emirates will let you know by email when your account has been upgraded.

Insurances and other benefits

The Westpac Airpoints World Mastercard comes with travel insurance for the cardholder and family, including coverage for medical expenses, cancellation and baggage/money/documents.

Extended 12-month warranty coverage and purchase protection insurance is also an included benefit for goods purchased with the Airpoints World Mastercard.

You’ll need to check the PDS terms and conditions of the insurance to make sure the coverage is suitable to your own needs.

Cardholders also gain access to the Westpac Concierge service, useful for arranging restaurant or ticket reservations, and the World Mastercard Privileged Access program, offering exclusive travel and dining experiences across the globe.

Summing up – Westpac Airpoints World Mastercard

The Westpac Airpoints World Mastercard often comes with a decent Airpoints dollar sign-up bonus – which when on offer, can go a long way to subsidising the annual fee in the first year.

Many of the included benefits such as complimentary Priority Pass membership, two annual Koru Valet parking eVouchers, and included travel insurance would provide useful value to regular Kiwi international travellers.

Either way, the card has the highest foreign currency Airpoints dollar earning rate and second highest rate for spend in New Zealand, along with a solid Status Point earn rate. If you’re a regular traveller and committed Air New Zealand frequent flyer looking to increase free flight earning potential and subsidise non-flying status credit earn, the Westpac Airpoints World Mastercard is worth considering.

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Comments Expand Comments

  1. Lesley

    Just thought I’d mention my husband applied for the world MasterCard but was allowed to put down my airpoints account number so I could accumulate the status points earned off the credit card.

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