Westpac Airpoints Mastercard
- APR
- 20.95% – 20.95%
- Annual Fee
- $70
- Rewards
- Up to 1.0%
You'll be redirected to westpac.co.nz
Our Verdict
The Westpac Airpoints Mastercard is a straightforward entry-level credit card ideal for casual travellers. Its low annual fee makes it accessible, though the rewards rate may not satisfy frequent flyers.
Pros
- Low annual fee of $70
- Simple rewards structure
- 1 Airpoints Dollar per $150 spent
- Ideal for occasional travellers
Cons
- Higher APR of 20.95%
- Limited rewards for frequent spenders
- No additional travel perks
- Redemption options can be limited
The Westpac Airpoints Mastercard offers a basic entry point into earning Airpoints, with a low annual fee of $70. For infrequent travellers, this can be a reasonable choice, providing 1 Airpoints Dollar for every $150 spent. However, those who travel often may find the rewards insufficient compared to other cards.
The 20.95% APR could be a dealbreaker for users who might carry a balance. In contrast, cards like the ANZ Airpoints Visa offer more competitive rewards and additional benefits, although often at a higher cost. Our analysis found that the lack of travel perks, such as complimentary insurance or priority boarding, limits its appeal for serious travellers.
Customer service feedback for Westpac is generally positive, though some users report lengthy wait times during peak hours. It's essential to verify details directly on the Westpac website to ensure you have the latest info on fees and conditions. The straightforward nature of this card may suit those new to credit cards, but seasoned travellers should consider alternatives that better reward their spending.
Watch Out
Be aware that the high APR may lead to significant interest costs if you carry a balance.
Best For
This card is best for those who travel occasionally and want a simple way to earn Airpoints without hefty fees.
You'll be redirected to westpac.co.nz
