Westpac · Mastercard
Westpac Airpoints Platinum Mastercard
Mechanical fact card. Every figure on this page is sourced from Westpac's published Conditions of Use document; the small green/blue/amber chip next to each value links to the source.
Ingested 21 May 2026. 36-month freshness cap enforced.
Annual fee
Not in T&C
Purchase APR
Not in T&C
Cash advance APR
Not in T&C
Interest-free days
Not in T&C
Fees & charges
| Annual fee | Not in T&C |
| Additional / supplementary card fee | Not in T&C |
| Foreign transaction fee | Not in T&C |
| Cash advance fee | Not in T&C |
| Cash advance fee % | Not in T&C |
| Late payment fee | Not in T&C |
| Over-limit fee | Not in T&C |
| Replacement card fee | Not in T&C |
| Statement copy fee | Not in T&C |
Interest mechanics
| Purchase interest rate (APR) | Not in T&C |
| Cash advance interest rate | Not in T&C |
| Balance transfer promo rate | Not in T&C |
| Balance transfer promo period | Not in T&C |
| Default / penalty rate | Not in T&C |
| Interest-free days | Not in T&C |
| Minimum repayment % | 2% A |
Rewards mechanics
Rewards mechanic A
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 A
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 programs A
Westpac KiwiSaver Scheme,Priority Pass Programme
Eligibility
| Minimum age | Not in T&C |
| Minimum annual income | Not in T&C |
| Residency / citizenship | Not in T&C |
| Employment status | Not in T&C |
| Credit limit range | Not in T&C |
Approval, credit limit, and pricing are determined by Westpac under CCCFA and the Responsible Lending Code. This page is informational only — not a pre-approval and not financial advice.
Your dispute and chargeback rights
External dispute resolution scheme A
banking_ombudsman
Closure & cooling-off
Closure rules A
If you notify us in writing that you want to cancel your Card within 25 days from the date these Conditions of Use are sent to you, we will refund any annual account and any joint/additional cardholder fees. If you or any joint cardholder cancel your Card, your Account will be cancelled and can no longer be used. Your Account will be closed when the outstanding balance has been paid at which point we will refund a pro-rata portion of the annual account fee you are entitled to.
Frequently asked questions
How do I dispute an unauthorised transaction on the Westpac Airpoints Platinum Mastercard?
Contact Westpac first, then escalate to the relevant external dispute resolution scheme (typically the Banking Ombudsman Scheme or FSCL). The Commerce Commission enforces CCCFA fair-dealing obligations.
How current is the information on this page?
Every figure on this page is sourced from Westpac's published Conditions of Use document. The T&C was ingested on 21 May 2026. We enforce a 36-month freshness cap; any fact older than that is excluded from rendering. Cross-check the issuer's current Conditions of Use before applying.
Is the Westpac Airpoints Platinum Mastercard "the best" credit card?
We don't rank credit cards on this site. Under FMA and CCCFA fair-dealing rules, "best for X" or "lowest rate guaranteed" claims require disclosed methodology that we don't publish. We list the facts; you compare what matters to your situation. If you need one-on-one advice, see a licensed Financial Advice Provider — we don't provide personalised advice.
Methodology & source-tier system
Every fact on this page carries a source-tier badge: Tier A = verbatim from the issuer's published Conditions of Use PDF; Tier B = issuer's live website; Tier C = our editorial registry (used when T&C ingest is pending); Tier D = third-party source.
We don't rank cards, don't publish "best for X" superlatives, and don't make approval claims. Approval decisions sit with the issuer under CCCFA and the Responsible Lending Code. For one-on-one advice, contact a licensed Financial Advice Provider.
Last snapshot generated Invalid Date. T&C ingest cycle: monthly. Source-document freshness cap: 36 months.