The Westpac Airpoints MasterCard is an entry-level Airpoints Dollar earning card with a low annual fee and up to 55 days interest-free credit on purchases.
- 1.99% p.a. for 12 months on balance transfers
- Earn 1 Air New Zealand Airpoints Dollar for every $120 on domestic spend
- Earn 1 Airpoints Dollar for every $100 on overseas spend.
- Annual fee: $55 p.a.
- Offer ends: 31st December 2017
Point Hacks do not earn commission on this card. More about this →
The Westpac Airpoints MasterCard is the entry-level Air New Zealand Airpoints Dollars (APD) earning MasterCard from Westpac.
Digging into the details of the Westpac Airpoints MasterCard
|Card||Westpac Airpoints Mastercard|
|Loyalty Program||Air New Zealand Airpoints|
|Airpoints Dollars earned from spend||1 Airpoints Dollar for every $120 spent domestically, and
1 Airpoints Dollar to every $100 equivalent spent in foreign currencies, including online and overseas
|Travel benefits||Pay no international transaction fees (usually $8) when withdrawing money overseas from an ATM within the Global ATM Alliance.|
|Foreign currency fee||2.50% of NZD converted value of foreign currency transaction amount|
Earning Airpoints Dollars from spend with the Westpac Airpoints MasterCard
The Westpac Airpoints MasterCard will earn you 1 Airpoints Dollar for every $120 spent on the card in NZ dollars, with an effective earn rate of 0.0083 Airpoints Dollars per dollar spent. This is on par with other ‘classic’ Airpoints earning cards in New Zealand.
In terms of cost and earn rate, the card is pipped by the American Express Airpoints card, which earns 1 APD for every NZ$100 spent with no annual fee. MasterCard is however more widely accepted both in New Zealand and abroad.
For frequent overseas travellers and online shoppers with foreign retailers, the earn rate of the American Express Airpoints card is matched, earning 1 APD per NZ$100 equivalent spent, at an effective earn rate of 0.01 Airpoints Dollars per dollar spent.
As most Kiwis and others with previous experience of the Air New Zealand’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
Westpac will also provide an extra 50 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.
Air New Zealand allow you to gift flights for others who live in your household, through the use of Airpoints Dollars. The Westpac Airpoints cards offer an Extended Gifting feature, which allows you to gift flights to up to 2 people outside your household each year.
Giftees may be nominated during the first 12 month period after opening the account, with these nominations automatically expiring at the end of that 12 month period. Giftees will need to be nominated or re-nominated in every 12 month period thereafter. This offer is not cumulative with any other gifting rights under the Airpoints Programme (including gifting rights available to Gold or Elite Airpoints members).
You can set up your Airpoints Gifting Register by signing in to your online Air New Zealand account.
Summing up – Westpac Airpoints Mastercard
The Westpac Airpoints Mastercard is a basic card that often comes with a decent Airpoints dollar sign-up bonus that will help cover the first year or more of the annual fee.
While the card does not offer any of the included benefits that come with the Westpac Airpoints World Mastercard, such as complimentary Priority Pass membership, two annual Koru Valet parking eVouchers, and included travel insurance, it is reasonable value for someone looking for a card that offers almost universal worldwide acceptance, with a low annual fee and at least some ability to earn Airpoint Dollars on everyday purchases.
Share this article
Point Hacks Credit Card Information
Point Hacks is published by Newformula Media. In some instances, Newformula Media receives a commission or benefit for referring you to the services of a bank / credit provider. This commission or benefit is disclosed at the point of referral to the credit provider. This website does not provide credit or advise you to apply for credit assistance from any particular provider.
We have not taken into consideration your circumstances or financial situation when providing the information on this website. It is important you read the relevant PDS from the product issuer and seek the independent advice of an appropriately qualified professional before making a decision on a product.
While we invest a great deal of time and energy into ensuring we provide with you with the most up to date and accurate information, we do not warrant the accuracy of statements or information contained on the Website relating to third party goods and services, including credit card information, loyalty schemes and rewards. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability arising from any person acting on those statements or information to the fullest extent permitted by law. Where conditions or warranties are implied by law and cannot be excluded, our liability will be limited to the re-supply of information. You should confirm the accuracy of information provided on this Website with the third party product provider before acting on it.