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Westpac Airpoints Mastercard - up to 400 Airpoints for Registering and Spending $1000 in First 3 Months ($70 Annual Fee)


Sign-up to a Westpac Mastercard credit card and get up to 400 airpoints for spending $1000 in the first 3 months.

It is 200 Airpoints for the Westpac Airpoints Mastercard which has a Annual Fee of $70
It is 400 Airpoints for the Westpac Airpoints Platinum Mastercard which has a Annual Fee of $125.

Only have to stick around for 6 months (pay half the annual fee) if you don't want to on it for the full year.

Basically $35 for 200 points or $62.50 for 400 points.


*Offer available on new accounts applied for between 27 September 2021 and 22 December 2021, subject to any extension or withdrawal at Westpac’s discretion without further notice. The offer is only available for the card types specified. Customers who currently hold or have held a Westpac Airpoints credit card in the past 18 months are ineligible for this offer, unless an Airpoints Business Mastercard holder opens a personal Airpoints Platinum Mastercard or a personal Airpoints Platinum Mastercard holder opens an Airpoints Business Mastercard. Limited to one Bonus Airpoints allocation per account. Excludes transfers from any Westpac credit card to any Westpac Airpoints credit cards. Cannot be used in conjunction with any other promotional offers except balance transfer rates. $1,000 minimum spend requirement must be met within the first 3 months of the new card opening to qualify for the bonus points. Balance transfers, cash advances and any retail purchases that have been made and then reversed within your spend period will not count towards the minimum spend requirement. Bonus points will be paid 5 weeks after the spend criteria has been met. Your Westpac Airpoints credit card account must remain open and not in default at the time the bonus Airpoints Dollars are paid.

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  • +1

    Damn, this is an even better deal than the AMEX one recently. What's the standard earn rate for this card, any fishhooks?

    • +5

      You can get both and get 900 air points lol

      • +2

        Very tempting……

    • +2

      They recently changed it from $75 to $85. So not nearly as good as the $59 for Amex but the annual fee is quite a lot less and there's benefits to with Mastercard.

      • -1

        Yeah, the AMEX has been accepted at way fewer places than I'd expected.

      • What sort of benefits do you get with Mastercard?

  • +1

    minimum 10k limit on the platinum for the 400 points. Not sure how easy that will be to be granted ..

    • Quite difficult so far, especially when you already have an AMEX

  • This looks very good!

  • +2

    Does westpac do retention offers if you say you’ll cancel?

    • +2

      not from my experience. Retention seems to be purely an Amex thing (probably because they're American)

      • +5

        No retention offer is purely a Kiwi thing…

        • +2

          actual LOL. fair point.

  • +3

    Keep in mind there are new AML rules and some banks/financial providers may take you through the full process - including asking for proof of everything you declare. This includes proving your current balances of assets and liabilities. Expect a 45-60 min process.

    • Yep, I was just going to post this as I just hopped off the phone. They go through EVERYTHING! Student loan, Kiwisaver, buy now pay later stuff, need 3 months bank statements etc etc. It definitely felt more like I was getting a home loan rather than a credit card lol. They're also asking me to go into a branch… and the closest one is half an hour away, and is only open two days a week for two hours! They do also ask about your financial plan if things turn pear-shaped which I kinda actually like - it's felt good to be asked those 'what-if' scenarios.

      I guess it's all be worth it for the four hundy?

      • +1

        yikes, not sure if i wanna go through this process now lol

        • If I had known all this before I applied, I would have skipped this deal I think.

          • @Amosbosshogdog: Similar experience - Have banked with them for a while now for everyday banking , salary goes in there as well - mortgage however is with a different bank. Just under an hour on the phone after they wanted to "have a quick chat about if the card is right for you", asked EVERYTHING, requested proof of EVERYTHING as burnttoast said above, also asked to go into branch to verify identity….? Anyway, 2 days later they called back and said the application was declined due to not being "servicable" whatever that means. Weird as our Assets >> Liabilities on this end as we are very frugal; the SO seems to think its because the mortgage is not with them or something idk lol

            • +1

              @cartwheelz263: That is really frustrating to hear. The worst part is, they're keeping a copy of all of that information you submitted (for comparison against "future" applications) and it appears there is nothing you can do about it either.

    • Yea similar experience. Should be easier if you bank with them but still jumping through the hurdles. Admirable their conducting due diligence even though I've had the anz equivalent and always paid on time in full for over 7 years. AMEX was easier but not widely accepted. One day we'll get to use these airpoints we're accruing.. right..

      • Use them on the airpoints store! Some pretty good stuff on there now

      • +2

        Just a heads up, the new processes shouldn't care if you're an existing customer or not, you must go through this for any line of / new credit / you seek after September 1st 2021. Technically, if you've already done that recently for another line of credit with that provider, it should be faster the second time as they will be 'updating' their financial snapshot of you. Unfortunately, they must keep /and/ compare your last request for credit, against your next request for credit. They do not delete this data, ever. The privacy concerns on this from a data mining point of view are out of this world. I cringe at the idea of one of these banks or credit card companies suffering a data breach.. It will be your entire financial snapshot on the line!

    • +1

      Good point! Sliipped my mind to mention that as I have an account with every single bank in NZ and a few overseas.

      Was a 15min process for me, card will be in the mail next week.

      • That is interesting. Had you recently (within the last 6 months) applied for any other credit with Westpac? e.g. Do you currently have a line of credit or mortgage with them? If you don't, they should have put you through the full onboarding experience.

      • Yes same here. Account with every single bank in NZ as well as in China. It's just so convenient

        • That's pretty smart, what do you do with all the cards you get from each bank?

  • Does anyone know if you get the airpoints as soon as you spend that $1000.00 or do you only get it after a whole year like those typical cash back cards?

    • Likely next billing cycle

    • +1

      As per the T&Cs:
      Bonus points will be paid 5 weeks after the spend criteria has been met.

      • Thanks for that, I was looking for that in the TC but i must have missed it. Its a good deal then.

  • +5

    To be clear,
    It is 200 Airpoints for the Westpac Airpoints Mastercard which has a Annual Fee of $70
    It is 400 Airpoints for the Westpac Airpoints Platinum Mastercard which has a Annual Fee of $125.

    Paid every 6 months, so you can cancel within 6 months and only pay half of the Annual Fee for the Card you Select.

    • thanks for that. Have edit with this further clarification.

  • Sorry slightly off topic Westpac hotpoints redeem - what is the most effective way , purchases or redeem hotpoints Pay/ past purchases via Westpac ?

  • Wow! I feel as if they wanted way too much info… was a bit unnerving actually, especially as someone mentioned above if one of these guys suffers a data breach (it's a matter of when not if) then boom….

    • Right? That is exactly how I feel about this. It is like "financial nudes", and you're entrusting a commercial entity not to have employees, contractors or poor executive management to allow them to one day see the light of day by "accident".

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