Point Hacks Guide

Westpac Airpoints Debit Mastercard Guide

The Westpac Airpoints Debit Mastercard is an Airpoints Dollar earning debit card, the only one of its kind in New Zealand – providing the ability to earn Airpoints Dollars from most debit card transactions and includes complimentary use of Westpac’s PayTag.

Westpac also have a range of Airpoints earning credit cards such as the Airpoints World, Platinum and Classic cards.

Digging into the details of the Westpac Airpoints Debit Mastercard

The Westpac Airpoints Debit Mastercard should be of interest for people who like their points, but may not want or otherwise be eligible to apply for a credit card. Let’s take a look in more detail:

Features of the Westpac Airpoints Debit Mastercard

Card Details

Card/AccountWestpac Airpoints Debit Mastercard
Card typeDebit Mastercard
Loyalty ProgrammeAir New Zealand Airpoints
Annual fee$15, plus receive a free Westpac PayTag
Overseas ATM access$3 per transaction, unless you use an ATM belonging to a member of the Global ATM Alliance, in which case no fee is incurred
Foreign currency fee2.5% of the transaction amount
EligibilityYou will need to deposit at least $500 into a linked transaction account monthly

Note that the annual fee is waived for customers on a Career Starter Pac, Tertiary Pac or Graduate Pac, for the life of the Pacs. This makes this a great starter card for students.

Earning Airpoints Dollars from spend with the Westpac Airpoints Debit Mastercard

The Westpac Airpoints Debit Mastercard will earn you 1 Airpoints Dollar for every $250 spent on the card in NZ dollars, with an effective earn rate of 0.004 Airpoints Dollars per dollar spent.

This is lowest earning Airpoints card on the market in New Zealand, pipped by all available credit card products. However, this is fine, as the card is not marketed towards those who would otherwise put all their monthly spend through a credit card – it is meant for those who do not have a credit card, due to personal choice or circumstances.

As most Kiwis and others with previous experience of the Air New Zealand Airpoints programme know, 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.

Eligible transactions

You will earn Airpoints Dollars on all spend, except cash withdrawals, payments for cash-equivalents like money orders and gambling chips, and any business-related purchases.

There is no exclusion for government-related spend, so you should be able to pay taxes and other government fees and continue to earn Airpoints Dollars.

Westpac Pay

Westpac Pay | Point Hacks

Westpac offers Tap & Pay functionality through either its own app, or through a Westpac PayTag which is free for Airpoints Debit Mastercard cardholders (usually able to be purchased for $4.99). The PayTag can be attached to your keys or the back of your phone case, meaning you don’t need to carry your wallet around when making small transactions.

Summing up: Westpac Airpoints Debit Mastercard

The Westpac Airpoints Debit Mastercard is not a product that you would use for all your day-to-day spending if you’re interested in maximising the points you can earn, especially if you are otherwise eligible for a high-earning Airpoints credit card.

However, it could be a useful product for those who do not want a credit card, or are otherwise unable to apply for one.

Note that you will need to spend at least $3,750 per year to recoup the value of the annual card fee- but if you’re on a Career Starter Pac, Tertiary Pac or Graduate Pac, the card is free, so you’ll get some value out of it on all your spend straight away.

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

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Comments Expand Comments

  1. Trina

    Hi can you clarify the airpoints wording, do points only accrue when a spend of $250 is made in one transaction? Is there a minimum spend or does it add up?

    • Daniel Kinnoch Author

      Hi Trina, you will earn Airpoints Dollars part thereof for your spend. E.g. if you spend $25, you would earn 0.10 Airpoints Dollars.

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