Westpac Airpoints Platinum Mastercard
Mastercard · active
- Annual fee
- —
- Purchase APR
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- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
Westpac Credit Cards
Westpac's five credit cards span fee-free, low rate, Airpoints and Rewards Platinum. Two of five T&Cs are currently ingested; the remaining three are queued — see the per-card cards below for ingest status.
Cards
5
5 active
Annual fee
—
Purchase APR
—
T&C ingested
2/5
Last verified
21 May 2026
📋 Provenance promise
Every fact on this page is sourced from Westpac's official Conditions of Use PDFs (SHA-256 hashed, 36-month freshness cap). Green chip A = verbatim from T&C. Blue B = issuer website. Amber C = editorial registry, T&C ingest pending. JSON facts API →
Side-by-side comparison — all Westpac cards
Updated May 2026. Source-tier badge next to each value links to the original T&C PDF or issuer rates page. Empty cells mean the figure isn't in the ingested T&C — see the per-card sections below for the verbatim quote.
| Card | Annual fee | Purchase APR | Cash advance APR | BT promo APR | BT months | Interest-free days | FX fee | Late fee | Min repayment | Supplementary fee | Replacement fee | Min income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Westpac Airpoints Platinum Mastercard Mastercard | — | — | — | — | — | — | — | — | 2% | — | — | — |
| Westpac Airpoints Gold Mastercard Mastercard | — | — | — | — | — | — | — | — | 2% | — | — | — |
| Westpac Rewards Platinum Mastercard Mastercard | — | — | — | — | — | — | — | — | — | — | — | — |
| Westpac Low Rate Visa Visa | — | — | — | — | — | — | — | — | — | — | — | — |
| Westpac Fee Free Visa Visa | — | — | — | — | — | — | — | — | — | — | — | — |
Every Westpac card — deep dive
Each card with its full fact set; T&C-linked. Tap "View full T&C" to read the verbatim markdown.
T&C ingested
Westpac Airpoints Gold Mastercard
Mastercard · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
Westpac Rewards Platinum Mastercard
Mastercard · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
Westpac Low Rate Visa
Visa · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
Westpac Fee Free Visa
Visa · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
Application requirements — verbatim from Westpac
Direct from each card's Conditions of Use. We don't paraphrase eligibility criteria; you read the rule Westpac actually applies.
Fees + interest, verbatim from each T&C
No paraphrasing — direct quotes from Westpac's Conditions of Use documents. Most NZ comparator sites publish summarised figures; we publish the actual clauses.
Westpac Airpoints Platinum Mastercard
Interest-free period rulesA
"You won't need to pay interest on purchases if you pay the Statement Closing Balance by the Payment Due Date in the statement in which the purchases appear. If you have a balance transfer you won't need to pay interest on purchases if you pay the Statement Closing Balance, excluding the balance transfer amount, by the Payment Due Date in the statement in which the purchases appear."
Cash advance fee carve-outsA
"Cash advances (including quasi-cash transactions such as gambling transactions, purchasing foreign currency or traveller's cheques, purchasing cryptocurrency or securities, making a money order or wire/telegraphic transfer, and topping up value on rechargeable gift cards or prepaid cards) are not eligible transactions for earning hotpoints."
Foreign transaction fee carve-outsA
"You will earn hotpoints at the same rate whether the eligible transaction is completed in New Zealand dollars or in a foreign currency. The amount of hotpoints you earn will depend on the New Zealand dollar value of eligible transactions."
Westpac Airpoints Gold Mastercard
Interest-free period rulesA
"You won't need to pay interest on purchases if you pay the Statement Closing Balance by the Payment Due Date in the statement in which the purchases appear. If you have a balance transfer you won't need to pay interest on purchases if you pay the Statement Closing Balance, excluding the balance transfer amount, by the Payment Due Date in the statement in which the purchases appear."
Cash advance fee carve-outsA
"Cash advances (including quasi-cash transactions such as gambling transactions, purchasing foreign currency or traveller's cheques, purchasing cryptocurrency or securities, making money orders or wire/telegraphic transfers, and topping up rechargeable gift cards or prepaid cards) are ineligible transactions and do not earn Airpoints Dollars."
Foreign transaction fee carve-outsA
"The Nominated Earner will earn Airpoints Dollars at the same rate whether the eligible transaction is completed in New Zealand dollars or in a foreign currency."
Rewards mechanics — direct from each T&C
Earn-rate and partner-program rules. Quoted directly from Westpac's Conditions of Use — no marketing-page paraphrase.
Westpac Airpoints Platinum Mastercard
Rewards mechanicA
"Earn hotpoints on eligible purchases at tiered rates each calendar month; hotpoints can be redeemed for rewards, used via hotpoints Pay, or converted to Westpac KiwiSaver contributions."
Earn rate summaryA
"You'll earn hotpoints at a certain rate until the total amount of your eligible transactions reach a certain threshold. When you pass that threshold and enter the next tier, you'll earn hotpoints at a different rate. You can find information on tiers and earn rates on our website at westpac.co.nz/credit-cards/hotpoints/."
Partner programsA
Westpac KiwiSaver SchemePriority Pass Programme
Point expiry rulesA
"The hotpoints you earn on your Account are valid for 35 months from the date they are earned and must be redeemed within this timeframe. They will expire at the end of the relevant calendar month."
Westpac Airpoints Gold Mastercard
Rewards mechanicA
"Earn Airpoints Dollars on eligible purchases at tiered monthly rates; Airpoints Dollars are credited monthly to the Nominated Earner's Air New Zealand Airpoints account."
Earn rate summaryA
"The Nominated Earner will earn Airpoints Dollars every time you or any joint or additional cardholder use a Card or any Payment Instrument to make an eligible transaction. The amount of Airpoints Dollars earned will depend on the New Zealand dollar value of eligible transactions. Each month the Nominated Earner will earn Airpoints Dollars at a certain rate until the total amount of eligible transactions undertaken on the Account reach a certain threshold; when that threshold is passed and the next tier is entered into, Airpoints Dollars will be earned at a different rate."
Partner programsA
Air New Zealand AirpointsKoru
Point expiry rulesA
"If you have a Westpac Airpoints Platinum Mastercard or a Westpac Airpoints World Mastercard, the Airpoints Dollars earned will not expire so long as the Nominated Earner remains the same and your account remains open. If the Nominated Earner changes, or if your Account is closed, then Airpoints Dollars will expire in accordance with the Air New Zealand Airpoints terms and conditions."
Your dispute + chargeback rights
What happens if a transaction is wrong, your card is stolen, or you can't resolve a dispute with Westpac. Verbatim from each card's Conditions of Use — the actual rules, not a summary.
Westpac Airpoints Platinum Mastercard
- Chargeback window
- 90 daysA
- External dispute scheme
- banking_ombudsmanA
- Unauthorised transaction rulesA
- "If you have told us as soon as reasonably possible, you'll only be liable for any unauthorised use of your Card or Payment Instrument if you have acted fraudulently or negligently, or you have breached any other terms in these Conditions of Use and that breach contributed to the unauthorised use. You won't be liable for losses that occur after you have told us that a Card or Payment Instrument has been lost or stolen or that a PIN has been compromised, unless you've acted fraudulently or negligently."
- CCCFA responsible-lending summaryA
- "If you are not able, because of illness, injury, loss of employment, the end of a relationship or other reasonable cause, to meet your obligations under this agreement, but you expect that a change to this agreement would enable you to meet your obligations, you may apply in writing to have this agreement changed."
Westpac Airpoints Gold Mastercard
- Chargeback window
- 90 daysA
- External dispute scheme
- banking_ombudsmanA
- Unauthorised transaction rulesA
- "If you have told us as soon as reasonably possible, you'll only be liable for any unauthorised use of your Card or Payment Instrument if you have acted fraudulently or negligently or breached any other terms in these Conditions of Use. You won't be liable for losses that occur after you have told us that a Card or Payment Instrument has been lost or stolen or that a PIN has been compromised, unless you've acted fraudulently or negligently. The maximum amount that you'll be liable for is the lower of the amount of the loss resulting from the fact that the Card or Payment Instrument has been lost or stolen at the time you tell us, or the amount you could have accessed up to your agreed credit limit since your Card, Payment Instrument or PIN was lost/stolen to the time you tell us."
- CCCFA responsible-lending summaryA
- "If you are not able, because of illness, injury, loss of employment, the end of a relationship or other reasonable cause, to meet your obligations under this agreement, but you expect that a change to this agreement would enable you to meet your obligations, you may apply in writing to have this agreement changed."
If Westpac can't resolve your dispute: contact the external dispute scheme listed on your card (typically the Banking Ombudsman Scheme) — free for consumers. CCCFA breaches can be reported to the Commerce Commission. Free budgeting help: FinCap 0800 345 123.
Frequently Asked Questions
Each Westpac card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Westpac directly, every Westpac card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Westpac's own T&C document.
Every card fact on this page is sourced from Westpac's official Conditions of Use PDFs. The most recent ingestion was on 21 May 2026. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.
Every figure on this page is traceable to Westpac's publicly published Conditions of Use document. We download the PDF, hash it with SHA-256, extract the markdown content, and run a structured-data extractor (49-field schema) to capture annual fees, interest rates, fee schedules, dispute rights, and eligibility criteria. The source URL for each fact is reachable via the small green chip next to each value. 2 of 5 Westpac cards currently have their T&C ingested.
2 of Westpac's credit cards run a rewards mechanic. We publish each card's earn-rate summary verbatim in the "Rewards mechanics" section below — direct quotes from Westpac's T&C so you can read the actual rules rather than a paraphrased summary.
No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.
The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Westpac T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).
See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Westpac cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.
How we keep this page current
- Source: Westpac's official Conditions of Use PDFs (downloaded with browser user agent — NZ bank CDNs reject bot UAs).
- Hash: Every ingested PDF gets a SHA-256 hash so we can detect document-level changes between versions.
- Extract: Haiku 4.5 produces verbatim markdown; Sonnet 4.6 extracts a 49-field structured fact set against a Zod schema.
- Freshness cap: 36 months on source-document date — any fact older than that is automatically excluded from the page.
- Provenance: Every cell on this page links to the source PDF (or issuer page) for that specific fact.
- Open data: See /api/issuer/westpac/facts.json for the structured fact dump, or /api/card/westpac-airpoints-platinum/wording.md for a verbatim T&C example.
Compliance + scope
This page publishes facts, not advice. We don't claim any card is "best" without disclosed methodology, and we don't carry CCCFA-prohibited marketing language ("guaranteed approval", "lowest rate", "no credit check", "anyone can qualify"). For one-on-one advice, see a licensed Financial Advice Provider — we are not a FAP.
Rewards program names are trademarks of their respective owners (Airpoints® Air New Zealand, True Rewards® ANZ, Hotpoints® Westpac, Fly Buys® Loyalty New Zealand).
Visit Westpac's credit card page →