Westpac Credit Cards
Australia's first bank brings proven expertise to New Zealand. Compare Airpoints, Hotpoints, and balance transfer cards from Westpac.
All Westpac Credit Cards
Airpoints World Mastercard
- ✓ Premium Airpoints earn rate
- ✓ Comprehensive travel insurance
- ✓ Airport lounge access
- ✓ Purchase and travel protection
- ✓ Concierge services
Airpoints Platinum Mastercard
- ✓ Earn Airpoints on spending
- ✓ Travel insurance coverage
- ✓ Purchase protection
- ✓ Extended warranty
- ✓ No Airpoints expiry
Hotpoints Platinum Mastercard
- ✓ Flexible rewards program
- ✓ Redeem for vouchers or cash
- ✓ Travel insurance included
- ✓ Purchase protection
- ✓ Wide redemption options
Balance Transfer Mastercard
- ✓ 12 months 0% on transfers
- ✓ No balance transfer fees
- ✓ Competitive ongoing rate
- ✓ 55 days interest-free purchases
- ✓ Debt consolidation tool
Classic Mastercard
- ✓ Low annual fee
- ✓ 55 days interest-free
- ✓ Basic fraud protection
- ✓ Online account access
- ✓ Suitable for beginners
Business Mastercard
- ✓ Business expense tracking
- ✓ Employee card options
- ✓ Detailed reporting
- ✓ Business travel features
- ✓ Flexible credit limits
Westpac Rewards Programs
Choose between travel-focused Airpoints or flexible Hotpoints rewards
Airpoints Program
Perfect for travelers who want Air New Zealand Airpoints
Redeem For:
- • Air New Zealand flights
- • Seat upgrades
- • Star Alliance partner flights
- • Koru membership
- • Travel experiences
Hotpoints Program
Flexible rewards for those who want variety and choice
Redeem For:
- • Retail vouchers
- • Cashback to account
- • Dining experiences
- • Entertainment tickets
- • Merchandise catalog
Why Choose Westpac Credit Cards?
Australia's First Bank
Over 200 years of banking heritage and expertise
Mastercard Benefits
Access to Mastercard's global network and exclusive offers
Balance Transfer Leader
Market-leading balance transfer offers up to 12 months
Reward Flexibility
Choose between Airpoints travel rewards or flexible Hotpoints
Westpac Credit Card Comparison
| Card | Annual Fee | Rewards | Interest Rate | Best For |
|---|---|---|---|---|
| Airpoints World | $150 | 1 per $75 | 20.95% | Premium travelers |
| Airpoints Platinum | $120 | 1 per $90 | 20.95% | Regular travelers |
| Hotpoints Platinum | $90 | 1 per $1 | 20.95% | Flexible rewards |
| Balance Transfer | $45 | None | 15.95% | Debt consolidation |
| Classic | $25 | None | 20.95% | Basic users |
| Business | $60 | None | 20.95% | Business owners |
Frequently Asked Questions
Westpac offers several credit cards including Westpac Airpoints Platinum Mastercard, Westpac Airpoints World Mastercard, Westpac Hotpoints Platinum Mastercard, Westpac Balance Transfer cards, and business credit cards. Each card targets different customer needs from travel rewards to balance transfers.
Westpac Airpoints cards earn Air New Zealand Airpoints based on your spending. The Platinum card earns 1 Airpoint per $90 spent, while the World card earns 1 per $75. Points can be redeemed for flights, upgrades, or other Air New Zealand experiences.
Westpac Hotpoints is a flexible rewards program where you earn points on purchases that can be redeemed for a variety of rewards including retail vouchers, experiences, merchandise, or converted to cashback. It's designed for customers who want reward flexibility beyond travel.
Yes, Westpac regularly offers balance transfer cards with promotional 0% periods, typically lasting 6-12 months. They often include no balance transfer fees during promotional periods and competitive ongoing rates after the promotional period ends.
Westpac requires applicants to be 18+ years old, New Zealand residents, have regular income (typically $30,000+ for premium cards), good credit history, and preferably an existing Westpac relationship. Premium Airpoints cards may require higher income thresholds.
Ready to Apply for a Westpac Credit Card?
Choose from Airpoints, Hotpoints, or market-leading balance transfer offers