Point Hacks Credit Card Guide

Westpac Airpoints World Mastercard Guide

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

Westpac’s range of Airpoints earning credit cards includes the entry-level Classic Airpoints Mastercard, the mid-level Airpoints Platinum Mastercard and the SME-targeted Airpoints Business Mastercard.

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 spent on the card
1 Status Point for every $225 spent
Travel benefitsWaived Koru Joining fee and discount on membership,
complimentary Priority Pass membership
Included insurancesTravel and purchase protection insurances
Foreign currency fee1.4% of NZD converted value of foreign currency transaction amount
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.

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 Strata Club in Auckland, and 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 (until October 2018) and priority check-in for Air New Zealand flights.

LAX Star Alliance lounge
LAX Star Alliance Lounge

The standard joining fee of $255 is waived for Westpac Airpoints World Mastercard cardholders, while the annual membership fee is reduced by $145 to $484 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.

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 90-day 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.

Westpac Apple Pay and Google Pay support

Westpac cards support Apple Pay, meaning you can use this card on your iPhone for easier payments. Find out more in our dedicated guide below.

There is no word yet if Westpac will support Google Pay in the future but they do have their own app for Android users called Westpac Pay.

Westpac Airpoints World Mastercard Guide was last modified: February 5th, 2020 by Daniel Kinnoch

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 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.

Westpac Airpoints World Mastercard Guide was last modified: February 5th, 2020 by Daniel Kinnoch

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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.

  2. Skip

    For those using a credit card to pay their taxes, the World Mastercard will be the best option in the NZ market. I verified with Westpac that payments to the IRD are treated as purchases, this is a huge difference over cards at ANZ which treat payments to IRD as cash advances.

    • Thanks for verifying this, Skip. Definitely the best option in terms of earning Airpoints Dollars, given Amex isn’t accepted.

      If you’re wanting to earn Qantas Points, albeit at a less favourable rate, and with your own money, the Qantas Cash card can also be used with IRD payments, at a rate of NZ$1 = 0.5 Qantas Points.

  3. Murray F

    Starwood are opening a hotel in Aucland on 6/6/18. just looked at opening rates and the have $199 to $227 specials on King ot double queen inc breakfast. which is a good way to justidy the card for me to get gold before a trp overseas.

  4. Andrew Smith

    I got an email today from Westpac advising that they sneakily changed the Airpoints earning on foreign currency spend from 1 APD/NZD50 to 1 APD/NZD65 (i.e. the same as the local NZD currency spend). This was effective 1 October 2018 (thanks Westpac for letting me know before!)
    Apparently this was ‘advertised’ on their website earlier.

  5. Alex

    Hi, just wondering which priority pass membership is included with the World Mastercard? It seems there are 3 options: Standard, Standard Plus, or Prestige? Thanks!

  6. Andrew

    Hi Daniel, yes the terms say that, however my experience travelling using the priority pass issued with my Westpac World card while in the UK for the past two years was that I never got charged for my guests.

  7. kelly

    Hi there, are you able to gain the bonus and then close the card down and receive a pro-rata refund on the annual fee like they do in the UK please? Cheers

    • Daniel Kinnoch Author

      Westpac could allow this but it would solely be at their discretion and it’s not something we encourage.

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