Westpac Airpoints World Mastercard

Name: Westpac Airpoints World Mastercard
Brand: Westpac
Rating: 4.6 (1 reviews)

Earn uncapped Airpoints Dollars at 1 Airpoint Dollar per $95 spent up to $15,000 and then 1 Airpoint Dollar per $190 in qualified spending.
Earn Status Points at the rate of 1 for every $225 on eligible purchases.
Get 200 Airpoints Dollars advance.

Pros and cons

Earn uncapped Airpoints Dollars at the rate of 1 Airpoint Dollar for every $95 spent up to $15,000 and 1 per every $190 in qualified spending after that.
Earn Status Points at the rate of 1 for every $225 on eligible purchases.
Get up to 200 Airpoints Dollars in advance if you are short of what you need for a redemption. Highly unusual.
Very low balance transfer rate of 5.95% p.a. for the life of the balance transferred.
No cash advance fees locally or overseas.

Additional cardholders. Add additional cardholders for $25 p.a. per card, paid in two instalments of $12.50 every six months.
Digital wallets. Westpac credit cards in New Zealand support Google Pay and Apple Pay. Other digital wallets are not supported.
Gambling transactions. Gambling transactions are treated as cash advances.

Complimentary travel insurance. Comes with complimentary international travel insurance for up to 120 days per round trip. Terms and conditions apply.
Concierge services. Cardholders can access personalised 24/7 concierge services as part of Mastercard Travel & Lifestyle Services.
Insurances. Comes with extended warranty insurance and purchase protection to cover loss, theft, or accidental damage. Terms and conditions apply.
Rewards points. Earn uncapped Airpoints Dollars at 1 Airpoints Dollar per $95 spent up to $15,000 and then 1 Airpoints Dollar per $190 spent on eligible purchases. Additionally, earn 1 Status Point per $225 spent on eligible purchases. Perhaps this card's most unusual feature is the bank's offer to provide up to 200 Airpoints Dollars in advance should you find yourself short.
Sign up bonus. There is no sign up bonus offer on this card right now.

Annual fee. Westpac charges an annual fee of $310 p.a. This must be paid in advance with 2 biannual instalments of $155.
Balance transfers. Consolidate non-Westpac credit and store card debt at 5.95% p.a. for life.
Cash advances. It's 22.95% p.a. for cash advances (and cash equivalent transactions) Interest will accrue immediately with no interest-free period. A one-off cash advance fee will be charged too. All-in-all, this is fairly typical of most rewards credit cards.
Foreign exchange fee. There is a 1.95% foreign exchange fee for purchases made in a foreign currency, either overseas or online.
Interest-free period. Get up to 44 days interest-free on purchases (excluding cash advances) when you have paid your previous balance in full by the due date.
Purchases. Since there is no introductory offer on purchases, the ongoing rate of 16.95% p.a. for purchases will apply to any balance carried over to the next statement. That rate is lower than what most rewards cards charge.