WESTPAC

DEBIT CARD
CONDITIONS
OF USE
Contents
1. Debit Card Conditions of Use 4
1.1 Important information about these
Conditions of Use. 4
1.2 Use of examples and other additional
information. 4
1.3 Your agreement with us is made up of: 5
1.4 You must: 5
1.5 Meaning of certain words in these
Conditions of Use. 6
1.6 Receiving your Card. 6
1.7 Additional terms and conditions. 6
1.8 PINs. 6
2. Keeping Cards, PINs and
Payment Instruments safe 7
2.1 Lost and stolen Cards, Payment
Instruments and PINs. 8
3. Our liabilities to each other 9
3.1 Liability for lost/stolen Cards, Payment
Instruments and PINs. 9
3.2 You’re responsible and liable for transactions
made using your Card. 10
3.3 Our liability to you. 10
4. Transaction and merchant disputes 11
4.1 Check your Account statements. 11
4.2 What to do if you dispute a transaction. 12
4.3 Disputes with merchants. 13
5. Using Cards and Payment Instruments 13
5.1 Restrictions on transactions. 13
5.2 Where will cards be accepted? 14
5.3 How we will debit your Account. 14
5.4 Off-Line Funds Transfer. 14
5.5 Other methods of transacting. 15
5.6 Legal and exchange controls. 15
5.7 Contactless transactions. 15
5.8 Damaged or faulty Cards. 15
6. Making a transaction in a foreign currency 16
6.1 Foreign exchange conversion. 16
6.2 Foreign exchange fees. 16

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7. Fees and charges 17
8. Third party terms, conditions and benefits 17
9. Cancellation and closure 18
9.1 Your cancellation rights. 18
9.2 Our cancellation rights. 18
9.3 Notice of cancellation. 18
9.4 We may withdraw products. 19
10. Making changes 19
11. General 19
11.1 Our complaints process. 19
11.2 Resolving your problem. 19
11.3 Escalating your problem. 19
11.4 If you want an independent review. 19
11.5 Privacy. 20
11.6 Exercise of Westpac’s discretion. 20
12. Definitions 20

WESTPAC AIRPOINTS™ TERMS AND CONDITIONS 22

1. Earning Airpoints Dollars™ 22
1.1 Information on earn rates. 24
1.2 The Airpoints Dollars balance will be reduced
in some situations. 24
2. Using Airpoints Dollars and information
about additional benefits. 25
3. Privacy 25
4. Cancellation 26
4.1 If you cancel your Card. 26
4.2 If we cancel your Card. 26
5. Making changes 26
6. We may stop offering our Airpoints
reward programme 27
7. What to do if you dispute Airpoints 27
8. Definitions – Westpac Airpoints
Terms and Conditions 28

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1. Debit Card Conditions of Use
1.1 Important information about these
Conditions of Use.
These Conditions of Use contain the terms and conditions
that apply to the following types of Card:
• Westpac Debit Mastercard®
• Westpac Airpoints™ Debit Mastercard®.
The Westpac General Terms and Conditions also apply to
your use of your Card.
If there’s a conflict between the terms of these Conditions
of Use and the terms of the Westpac General Terms and
Conditions, to the extent the terms are about substantially
the same thing then the terms in these Conditions of Use
will apply. If it makes sense for both of the terms to apply,
then both will apply.
They include some obligations on you that relate to the
Mastercard Rules. These are included either because of
the operation of the Mastercard Rules or because our
obligations to Mastercard require that we include them.
Please read this document and keep it in a safe place.
If, at any time, we have a ‘Customer Commitment’, the
commitments in that ‘Customer Commitment’ don’t apply
to these Conditions of Use.
We recommend that you read these Conditions of Use
carefully. If you’re unsure about anything, we’re happy to
answer any questions. We also recommend you seek legal
advice if there is anything that you don’t understand in
these Conditions of Use.

1.2 Use of examples and other additional

information.
We’ve included some examples where we think it might be
helpful to you.
Examples will be in a grey box like this:

Example – When we illustrate an example it will look

like this.

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We’ve also included some additional information to bring
certain important details to your attention.
This additional information is set out next to an icon like this:

You should always consider the trustworthiness

and standing of the merchant before you
complete any transaction.

These examples and additional information do not form

part of these Conditions of Use.
When we say ‘including’ in these Conditions of Use, it
means we are providing one or more examples but we
aren’t limiting what could be included.
Our contact details are:
0800 888 111
Westpac New Zealand Ltd,
PO Box 934 Shortland Street
Auckland 1140.

1.3 Your agreement with us is made up of:

• These Conditions of Use
• ‘Credit and Debit card service fees’ section of the
Transaction and Service Fees brochure.
By activating your Card or using a Payment Instrument
to access your Account, you confirm you agree to
these terms.
In addition to these Conditions of Use, you’ll also need to
comply with any terms and conditions which apply to your
Account when you use your Card or Payment Instrument.

1.4 You must:

• Keep your Card, any Payment Instrument and PINs
secure, and
• Promptly tell us if you change your personal details
(including your name, address, telephone or mobile
numbers and email address). If you don’t tell us, you may
miss out on important information.
If you have any queries about your Card, you can call us on
0800 888 111.

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If you need to write to us, our address is:
Westpac, Private Bag 92503
Victoria Street West
Auckland 1142.
We can also accept electronic communications. Find out
more information by following the Contact us link on our
website westpac.co.nz.

1.5 Meaning of certain words in these

Conditions of Use.
We, us or Westpac – means Westpac New Zealand
Limited. It also includes our agents. The word ‘our’ has a
similar meaning.
You – means the person or business who we issue the Card
to. ‘Your’ has a similar meaning.
Certain other words used in these Conditions of Use also
have special meanings. We have included a list of these
words in the ‘Definitions’ section towards the end of
these Conditions of Use. Words that are included in the
definitions section are capitalised – for example ‘your
Account’.

1.6 Receiving your Card.

• Cards must not be sent overseas. Please contact us if you
need to send a Card to a person who is overseas.

1.7 Additional terms and conditions.

• All Cards remain our property at all times
• Do not copy or reproduce any Card
• We may ask you to return or destroy your Card (or any
Card we have issued to an additional cardholder). We’ll
only ask for this to happen in reasonable circumstances.

1.8 PINs.
• You’ll need to have a PIN to use your Card in electronic
funds devices such as ATMs and EFTPOS terminals. You’ll
also need a PIN if you want to use any other Payment
Instrument that requires the use of a PIN
• You can self-select a PIN online at the time you apply for
your Card

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• If you haven’t self-selected a PIN online you’ll need to visit
a Westpac branch and provide suitable ID (e.g., passport
or driver’s licence)
• You’re also able to select a PIN using Westpac One if you
are a digital banking customer
• When we are reissuing a Card to you we’ll pre-load it with
an existing PIN which means you don’t need to take any
steps to select a PIN, unless you want to change it.

2. Keeping Cards, PINs and

Payment Instruments safe
• It is important that you keep Cards, PINs and Payment
Instruments safe. You need to comply with all relevant
requirements in this section
• You must not choose a PIN which is easy to guess. For
example, PINs must not be numbers connected with
birth dates, parts of telephone numbers, or parts of
driver’s licences. PINs also shouldn’t be parts of the Card
number, sequential or easily guessed numbers (e.g. 1234
or 2222)
• We recommend using different PIN numbers for different
cards and equipment (e.g. security alarms, lockers, etc)
• You must memorise your PIN. You must not write the
PIN down, especially not on the Card or on any Payment
Instrument itself
• Do not tell anyone else a PIN (even any family members,
police or bank staff)
• You shouldn’t let anyone else use your Card, Card
number, other Payment Instrument or PIN
• You must also take all reasonable care to make sure that
your PIN is not disclosed. You shouldn’t let anyone else
see your PIN at EFTPOS Terminals or ATMs
• You must always get your Card back after using it
• You must take all reasonable care to keep your Card and
Payment Instruments safe. This means that you need
be very careful in any situations where another person
could take the Card or Payment Instrument without being
noticed (for example in nightclubs, hotels or restaurants).

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 If a Card or Payment Instrument is lost or stolen, it could
be used by others to make transactions without your
consent. You could be liable for any loss if you did not
take reasonable care. – see the ‘Our liabilities to each
other’ section for more information about who is liable
when Cards are lost or stolen.

In these Conditions of Use, if we state that you

are ‘liable’ for a loss (or a type of loss), this
means that:
• If you have sufered the loss, nobody will
have to compensate you for the loss that you
have sufered
• If we have sufered the loss, you will have
to compensate us for the loss that we have
sufered.

2.1 Lost and stolen Cards, Payment

Instruments and PINs.
You must contact us as soon as reasonably possible if:
• Any Card or Payment Instrument is lost or stolen, or
• You believe any unauthorised person has used a Card or
Payment Instrument, or knows a PIN.
If in New Zealand, please:
• Block your card in Westpac One and report it as lost or
stolen
• Call us toll-free on 0800 888 111 24 hours, seven days a
week, or
• Notify any Westpac branch during business hours.
If outside New Zealand, please:
• Block your card in Westpac One and report it as lost or
stolen, or
• Notify a bank which displays the Mastercard symbol, or
• Notify us by calling +64 9 914 8026 if you cannot find a
bank which displays the Mastercard symbol.
We may ask you to tell us how the Card was lost or stolen.
We may charge you a fee if we replace a Card. Please see
the ‘Fees and charges’ section for more information on
replacement Card fees.

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3. Our liabilities to each other
3.1 Liability for lost/stolen Cards, Payment
Instruments and PINs.
You need to tell us as soon as reasonably possible if a Card
or Payment Instrument has been lost or stolen or a PIN
is compromised.
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. Acting
fraudulently or negligently includes failing to do any of
the things we tell you to do in the ‘Keeping Cards, PINs
and Payment Instruments safe’ section above, or
• You have breached any other terms in these Conditions
of Use, and that breach contributed to the unauthorised
use of the Card or Payment Instrument.
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 or
that a PIN has been compromised, at the time you tell
us; or
• The maximum amount you could have accessed from
your Account since your Card, Payment Instrument or
PIN was lost/stolen to the time you tell us.

If your Card or Payment Instrument gives you

access to an account with a credit facility (for
example a home loan from us), failure to look
after your Card, Payment Instrument or PIN
could result in a substantial loss to you.

3.2 You’re responsible and liable for

transactions made using your Card.
We’ll debit the amount of a transaction made using
your Card to your Account. We’ll do this for all types of
transactions including the following:
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• Any transactions made by Electronic Fund Transfer (EFT)
• Cash withdrawals and sales vouchers
• Mail, telephone or internet order transactions
• Recurring transactions
• Other transactions we approve.
By making a transaction by mail order, telephone order or
via the internet, you authorise the relevant merchant to
process an EFT transaction or issue a sales voucher. This
transaction amount is then debited to your Account.
If you set up a recurring transaction to the merchant (for
example, you agree with a merchant that your Account may
be debited on a regular basis), then you’re liable to pay the
merchant those transaction amounts, even if you cancel
your Card.

You should always consider the trustworthiness

and standing of the merchant before you
complete any transaction.

In certain circumstances, you may authorise a merchant to

debit additional amounts to your Account without needing
a signature or PIN. Your Account will be debited with
these amounts.

3.3 Our liability to you.

We’ll be liable to pay you any amounts incorrectly charged
to your Account if you’ve suffered loss and the incorrect
charge was a direct result of either of the following:
• A faulty Card (except if the Card is obviously faulty, you
know about the fault, or you have caused the fault)
• An ATM not functioning properly (except if the ATM is
obviously faulty, you know about the fault, or a notice
states that it is faulty).
We’ll be liable for any losses you suffer that are a direct
or indirect result of any of our employees or agents acting
fraudulently or negligently.
We won’t be liable to you for any losses you suffer that are
a direct or indirect result of you using, or trying to use, a
Payment Instrument in a way that breaches any terms that
apply to the Payment Instrument.
By including these examples of things that we, and you,
will or won’t be liable for, we’re not limiting any rights that
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either of us have in relation to circumstances that aren’t
specifically mentioned.

4. Transaction and
merchant disputes
4.1 Check your Account statements.
You should check your Account statements (either online or
the paper Account statements we send you) to make sure
they are accurate. If your Account statements show any
mistakes or unauthorised transactions, you should tell us
as soon as you reasonably can.
If you identify a transaction on your statement and you
don’t think it should be there, you may be able to get a
credit for the transaction through a dispute process.
You can dispute a Contactless Transaction or mail,
telephone or internet transaction, or a transaction you
make overseas when:
• You’ve ordered something (i.e. products or services) and
haven’t received them
• What you received is different from what you ordered, or
it’s damaged in some way
• You’ve received counterfeit goods
• You’ve contacted a merchant to cancel a subscription,
but you’re still being charged
• The charge on your statement is not what you agreed
to pay, or it’s different from the amount on the
receipt/invoice
• You’ve been promised a credit or refund but haven’t
received it
• You’ve been charged twice
• You’ve paid for something another way, but it has also
been charged to your credit or debit card
• The transaction has appeared twice.

We can’t reverse a transaction if you’re unhappy

with the quality of the goods or services you
purchased.

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4.2 What to do if you dispute a transaction.
If your transaction can be disputed and you’ve contacted
the merchant first but they are unable to help, then:
• If the transaction is less than 60 days old, you can
complete the Mastercard® Debit or Credit Card Dispute
Online Form available at How to dispute a credit or debit
Mastercard® transaction - Help | Westpac NZ; and
• If the transaction is more than 60 days old but less than
90 days, please call us on 0800 888 111.

If you don’t report any incorrect, invalid or

unauthorised transactions within 90 days of the
transaction, we can’t reverse the transaction and
you must pay for it.

When you tell us you dispute a transaction, you must give

us the following information (if you have it) so we can fully
investigate the matter:
• Your name, email address, phone number and Account
number
• Detail in relation to the disputed transaction, including:
– The date of the transaction
– The amount of the transaction
– The merchant’s name
– Why the transaction is being disputed
– How the merchant responded.
We aim to respond to you within 10 working days of
receiving your notice. If we don’t respond within 10 working
days, we’ll tell you the reason for the delay. We may need to
request further information from you and it can take up to
30 days to reach a final outcome.
If we find that an error did occur, we’ll fix this by refunding
the relevant charges to your Account.
If we find there was no error, we won’t reverse any
transaction. However, we’ll write to you setting out the
outcome of our investigation.
If you’re not satisfied with that outcome and you have
followed our complaints procedure (see below in the
section ‘What to do if you have a complaint’), you can
complain to the Banking Ombudsman by visiting bankomb.
org.nz/make-a-complaint/ or calling 0800 805 950.
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4.3 Disputes with merchants.
When you use a Card or Payment Instrument, you are
instructing us on your behalf to debit your Account. You
cannot stop the payment once requested. We can only
reverse a transaction in limited circumstances (like those
we’ve described in the previous section).
We’re not responsible or liable for the goods or services
you purchase with your Card or Payment Instrument. You
should always attempt to first resolve any complaints you
have with a merchant with the merchant directly.

5. Using Cards and

Payment Instruments
5.1 Restrictions on transactions.
There are daily transaction value limits on your Card.
Further information relating to daily transaction value limits
can be found at westpac.co.nz/daily-transaction-limits.
As well as a maximum daily value limit, there may also be a
daily limit on the number of EFT transactions that you can
make using your Card or other Payment Instrument.
If any amounts charged to your Account exceed any limit
or if a transaction goes through that should not have gone
through because of a restriction, you’ll still owe us the full
amount.

5.2 Where will cards be accepted?

You can use your Card at banks and merchants displaying
the Mastercard or Cirrus symbol. This includes making
transactions by mail, telephone or internet order or at
any financial institution or electronic banking terminal, in
New Zealand and in most overseas countries.
However, we’re not responsible or liable if any bank or
merchant doesn’t:
• Accept a Card or Payment Instrument, or
• Follow proper authorisation procedures.
Please see the “Our liabilities to each other” section for
more information about when we’re responsible or liable
to you.
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5.3 How we will debit your Account.
We’ll generally debit your Account on the day you make a
purchase using your Card or Payment Instrument.
If your purchase was made using an electronic funds
device, such as an ATM or EFTPOS Terminal, not owned by
us we’ll debit your Account when we are notified by the
bank that owns the electronic funds device.
In some situations, we’ll debit your Account on a different
date due to circumstances beyond our control.

An example of when we’ll debit your Account on a

different date includes when the merchant tells us
about the transaction on a date later than the date of
the transaction

5.4 Of-Line Funds Transfer.

If you complete a transaction using an Off-Line Funds
Transfer, the voucher you signed (or authorised) is your
authority to us to process the transaction. We’ll process
the transaction as soon as we receive it.
Off-Line Funds Transfers can sometimes be accepted even
when there is not enough money in your Account to cover
the amount of a transaction. If an Off-Line Funds Transfer
results in your Account being overdrawn, normal overdraft
charges will apply.

Further information on overdrafts, including fees

and charges are available from any of our
branches, by calling us on 0800 888 111 or online
at our website.

If an Off-Line Funds Transfer is processed to an Account

that has been closed, or an Account that is open but there
is not enough money in your Account to cover the amount
of the transaction, you’ll still need to meet any payment
obligation you owe in relation to the transaction.

5.5 Other methods of transacting.

You can use your Card to make purchases:
• Through the mail

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• Over the phone
• On the internet.
When you use your Card in this way, you authorise the
merchant to process an EFT transaction or issue a sales
voucher for the purchase amounts. This amount will be
debited to your Account.

5.6 Legal and exchange controls.

Exchange controls or other government or legal
requirements may apply in relation to the use of a Card
or Payment Instrument overseas. Where one of these
requirements applies, we may need to delay, defer, stop,
charge back or refuse to process a transaction. See
the Westpac General Terms and Conditions for further
information.

5.7 Contactless transactions.

You can use Payment Instruments and Cards with
contactless technology to make Contactless Transactions.
You should be able to find a Contactless Terminal at any
merchant or bank that displays the Mastercard symbol and
the relevant contactless symbol.
You can only make Contactless Transactions up to certain
limits without a PIN. You will need to enter your PIN or
to sign for transactions if the transaction is over the
maximum limit.
For New Zealand, the maximum transaction limits can be
found at westpac.co.nz. Different limits apply overseas.
We don’t have any control over overseas limits.

5.8 Damaged or faulty Cards.

We’ll replace damaged or faulty Cards upon your
request. We may ask you to tell us how the damage or
fault occurred.
We may charge you a fee to replace a Card. For more
information on replacement card fees, please visit
our website.

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6. Making a transaction in a
foreign currency
6.1 Foreign exchange conversion.
Mastercard fixes their own rates of exchange. When you
make a transaction in a foreign currency, Mastercard
processes these transactions and converts them into
New Zealand dollars at those rates.
Different currencies are treated differently:
• Mastercard converts transactions made in United States
dollars directly into New Zealand dollars
• Mastercard converts transactions made in any other
foreign currency into United States dollars and then
converts them into New Zealand dollars.

6.2 Foreign exchange fees.

We’ll charge a foreign currency fee on every transaction
made in a foreign currency.
Details of this fee are available in the ‘Credit and Debit
card service fees’ section of the Transaction and Service
Fees brochure, a copy of which is available at a Westpac
branch or online at westpac.co.nz.

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7. Fees and charges
We may charge you certain fees in connection with
your Card.

Please visit our website at westpac.co.nz or see

the ‘Credit and Debit card services fees’ section
of the Transaction and Service Fees brochure.
Fees and charges can change at any time. We’ll
generally give you at least 30 days’ notice of
any changes to fees. See the ‘Making changes’
section for further information.

We currently have the following fees:

• Annual card fee
• Replacement card fees (including for lost, stolen or
damaged Cards)
• Urgent replacement card fees
• Courier/freight fees (to deliver new/replacement Cards)
• Foreign currency fees.
Please be aware that merchants and ATMs may also
charge additional fees for certain types of transactions (for
example, for contactless transactions or for withdrawing
cash at an ATM).

8. Third party terms,

conditions and benefits
Please note that other financial institutions who are parties
to an EFT system may have their own terms and conditions
relating to the use of a Card or Payment Instrument in
EFT Terminals.
You may receive service benefit(s) for using your Cards or
Payment Instruments, which are provided by a third-party
supplier. If that third party withdraws the benefit, we must
also withdraw the benefit.

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9. Cancellation and closure
9.1 Your cancellation rights.
You may cancel your Card at any time by notifying us.
If you cancel your Card, you will not be able to use the Card
or any Payment Instrument to access any Account.

9.2 Our cancellation rights.

We may cancel your Card at any time, if we believe it’s
reasonable to do so.

Some examples of when we might exercise our right

to cancel your Card are:
• If we are required to do so in order to comply with a
court order or other legal or regulatory obligation
• If we reasonably consider that use of your Card,
Payment Instrument or any Account may cause loss
to you or to us
• If you have operated your Card or a Payment
Instrument fraudulently or negligently.

If we cancel your Card, you will not be able to use the Card
or any Payment Instrument to access any Account.
If we send you a letter telling you that we’ve cancelled your
Card by post it is considered to have been received by you
five days after it is sent.

9.3 Notice of cancellation.

In most cases we’ll give you at least 30 days’ notice before
we exercise any right to cancel your Card. However, we
may give you less than 30 days’ notice (or even no advance
notice) if we reasonably believe we need to do so to protect
our legitimate business interests.

Sometimes we may need to act quickly when

exercising cancellation rights – for example if
there is a potential data compromise, potential
fraud, or a systems security issue.

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9.4 We may withdraw products.
We may withdraw any products at any time. If we do this,
we’ll provide you with at least 30 days’ notice.

10. Making changes

We can vary the terms that apply to your Card. We’ll only
do that in the circumstances listed in the Westpac General
Terms and Conditions. We’ll generally provide you with
notice of any changes – see the Westpac General Terms
and Conditions for more information.

11. General
11.1 Our complaints process.
We’re here to help. So we’ll acknowledge that we’ve
received your complaint within five business days and
do our best to address any issues. Learn more
at westpac.co.nz/contact-us/complaints

11.2 Resolving your problem.

If we can’t address your issue immediately, we will let you
know when you can expect to hear back from us. Once
we’ve addressed your issue, we’ll be in touch to check you
are happy with the resolution.

11.3 Escalating your problem.

If you’re still not satisfied, our Customer Solutions team will
step in to help.
Phone: 0800 351 494
Email: customersolutions@westpac.co.nz

11.4 If you want an independent review.

We’re members of the Banking Ombudsman Scheme –
they’re here to help resolve disputes and their service
is free and independent. If you’re still unhappy after
our review, you can get in touch with the Banking
Ombudsman Scheme:

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Phone: 0800 805 950
Email: help@bankomb.org.nz
Website: bankomb.org.nz
Address: Banking Ombudsman Freepost 218002,
PO Box 25327 Featherston Street, Wellington 6146

11.5 Privacy.
We have a clear Privacy Policy that explains how we keep
your information safe. The Privacy Policy is not part of
these Conditions of Use. You can read more about how we
collect, store, use and share your personal information at
westpac.co.nz/privacy or ask at any branch.

11.6 Exercise of Westpac’s discretion.

When we do anything under these Conditions of
Use or in relation to your Card, we’ll act in a fair and
reasonable way.

12. Definitions
Meaning of certain words in these Conditions
of Use.
Account – means any Westpac account that you choose
to access funds from by using your Card or Payment
Instrument.
ATM – means an automatic teller machine.
Card – means your Westpac Debit Mastercard or Westpac
Airpoints Debit Mastercard (as applicable to you).
Contactless Terminal – means an EFT Terminal which can
be used to make a Contactless Transaction.
Contactless Transaction – means a transaction made by
holding a Card with contactless technology or Payment
Instrument close to the Contactless Terminal without
having to insert or swipe it.
EFT – means Electronic Funds Transfer, which is the
electronic process which allows you to withdraw funds
from the Account. You can authorise an Electronic Funds
Transfer by using your Card or Payment Instrument at an
EFT Terminal.

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EFT Terminal – means a device which makes EFT
transactions and includes ATMs and EFTPOS Terminals.
EFTPOS Terminal – means an EFT Terminal located at a
merchant’s point of sale.
Off-Line Funds Transfer – means a transaction using your
Card when an EFT Terminal is not working or where the
merchant does not have EFT facilities.
Payment Instrument – means any instrument or device
linked to your transaction Account (such as a mobile phone
or watch) that can be used to make transactions on your
transaction Account.
PIN – means the personal identification number associated
with your Card or other PIN-enabled Payment Instrument
that you enter at EFT terminals to make transactions.
Westpac One – means Westpac One® digital banking, our
online banking service.
Westpac One® is a registered trademark of Westpac
Banking Corporation.
Mastercard® is a registered trademark and the circles
design is a trademark of Mastercard International
Incorporated.

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WESTPAC AIRPOINTS™
TERMS AND CONDITIONS
The terms and conditions in this section apply to you if
you have a Westpac Airpoints Debit Mastercard®. We
refer to this section as the ‘Westpac Airpoints Terms and
Conditions’.
If there is a conflict between these Westpac Airpoints
Terms and Conditions and the Conditions of Use , the
Conditions of Use take priority.

Meaning of certain words.

We, us or Westpac – means Westpac New Zealand
Limited. It also includes our agents. The word ‘our’ has a
similar meaning.
You – means the person who opens, and is responsible for,
the Account. ‘Your’ has a similar meaning.
Certain other words used in these Westpac Airpoints
Terms and Conditions have special meanings. We have
included a list of these words in the ‘Definitions’ section
towards the end of this document. Words that are included
in the Definitions section are capitalised – for example
‘Nominated Earner’.

1. Earning Airpoints Dollars™

The Nominated Earner will need to be a current member of
the Airpoints programme. You’ll need to let us know their
Airpoints number to be eligible to earn Airpoints Dollars™.
We’re not responsible for providing Airpoints Dollars or the
associated tier status and privileges. These are determined
by Air New Zealand and subject to the Air New Zealand
Airpoints terms and conditions.
You must let us know if the Nominated Earner stops being a
member of the Airpoints Programme.
The Nominated Earner will earn Airpoints Dollars every
time you use a Card or any Payment Instrument to make an
eligible transaction.

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All purchases or payments are ‘eligible transactions’
apart from:
• Fees, charges or interest
• Tax payments (including local council rates and
ACC levies)
• Gambling chips or gambling transactions (including
online gambling)
• Cash withdrawals from your Account – if any part of a
transaction is a cash withdrawal then that part is not an
‘eligible transaction’
• Money orders, traveller’s cheques and foreign currencies
in cash
• Transactions that we reasonably believe are business-
related expenditures
• Transactions made in any period during which the
Nominated Earner’s Airpoints membership is suspended
by Air New Zealand or at any time after it is terminated
for any reason.
The Nominated Earner will only earn Airpoints Dollars when
the transactions are charged to your Account. This means
they won’t earn Airpoints Dollars when you complete
transactions on a different account – like a separate savings
account that can be accessed by using your Card.
If we believe we have reasonable grounds for doing so, we
can suspend the earning of Airpoints Dollars or any other
Airpoints benefits. If we suspend the earning of Airpoints
Dollars, the Nominated Earner won’t earn any Airpoints
Dollars for eligible transactions while the suspension is
in place.
We or Air New Zealand or its partners might also offer
additional ways to earn further Airpoints Dollars from time
to time.
Sometimes we’ll partner with third parties to offer
promotional Airpoints Dollars on certain purchases. If we
do this, and you use your Card or Payment Instrument to
earn Airpoints Dollars, you agree that the third party may
collect the Nominated Earner’s Airpoints membership
number and retain it to credit the Airpoints Dollars.
The Nominated Earner will earn Airpoints Dollars at the
same rate whether the eligible transaction is completed in

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New Zealand dollars or in a foreign currency. The amount
of Airpoints Dollars earned will depend on the New Zealand
dollar value of eligible transactions.

1.1 Information on earn rates.

Airpoints Dollars will be earned at the rate specified
and published by us from time to time on our website at
westpac.co.nz/credit-cards/airpoints.
Earn rates are subject to change.
From time to time we may change any earn rates. We’ll
generally give you 30 days’ notice of any change (see the
‘Making changes’ section for more information).
In certain circumstances you may not be able to use your
Card or Payment Instrument (for example because of a
faulty EFT terminal or system failure). Airpoints Dollars
won’t be earned if you are unable to use your Card or
Payment Instrument for any reason.

1.2 The Airpoints Dollars balance will be

reduced in some situations.
If you get a refund, chargeback or reversal onto your
Account that relates to an eligible transaction, in relation
to the month in which the refund, chargeback or reversal is
made, the corresponding Airpoints Dollars for that amount
will be removed from the balance of Airpoints Dollars
earned to date for that month (this may result in a negative
balance of Airpoints Dollars earned for that month).

Some examples of a refund, chargeback or

reversal include:
• When you return goods that you have purchased
• When you cancel bookings that you have already
paid for
• Where a charge or payment has been made in
error and is reversed.

Airpoints Dollars are credited to the Nominated Earner’s

Airpoints account monthly, based on the total amount
of Airpoints Dollars earned during your Account
statement period.

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 For more information in relation to the Airpoints
Programme including an Airpoints Dollars
balance or Status Points earned, contact
Air New Zealand on 0800 247 764 or visit
airnewzealand.co.nz/airpoints.

2. Using Airpoints Dollars

and information about
additional benefits.
The Air New Zealand Airpoints terms and
conditions apply to the use of Airpoints Dollars.
They also contain terms and other information
about the additional benefts that are
outlined below.

We do not guarantee the Nominated Earner will be able to

redeem Airpoints Dollars or any Rewards received under
the Airpoints Programme – these are Air New Zealand’s
sole responsibility and subject to the Air New Zealand
Airpoints terms and conditions.

3. Privacy
In accordance with our Privacy Policy, we may share
information about you with Air New Zealand, any
Air New Zealand programme partners and other third
parties we partner with to offer promotional Airpoints
Dollars for:
• The administration of the Airpoints programme
• The analysis of Airpoints programme members, and
• Any other purpose outlined in the Air New Zealand
Airpoints terms and conditions.
Air New Zealand’s Privacy Policy also sets out how it
collects and processes information about you and can
be found at airnewzealand.co.nz/privacy-policy.
Air New Zealand’s Privacy Policy is not part of these
Westpac Airpoints terms and conditions.

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4. Cancellation
4.1 If you cancel your Card.
If you request to cancel your Card, all Cards and Payment
Instruments will be cancelled and the Nominated Earner
won’t earn any further Airpoints Dollars from the time
of cancellation.

See the Conditions of Use for more information

about how to cancel your Card.

4.2 If we cancel your Card.

We can cancel or suspend your Card in certain
circumstances as set out in the Conditions of Use. If these
circumstances apply, we can also cancel or suspend the
earning of Airpoints Dollars on your Card(s).
We might exercise these rights if any of the following
happen:
• You breach these Westpac Airpoints Terms and
Conditions
• Your Card is used fraudulently
• You or the Nominated Earner breaches the
Air New Zealand Airpoints terms and conditions
• Our participation in the Airpoints programme ends.
In some circumstances we may not give you prior notice
before we cancel or suspend your Card.

See the Conditions of Use for further information

in relation to cancellation.

If your Card is cancelled (whether by you or by us)

any Airpoints Dollars earned will be credited to the
Nominated Earner’s Airpoints account.

5. Making changes
We can make changes to these Westpac Airpoints
Terms and Conditions in the same way, and in the same

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circumstances, as when we can make changes to the
Conditions of Use.
We’ll also provide you with notice of any changes in the
same way, and in the same timeframe, that we must when
we make changes to the Conditions of Use.

See the Conditions of Use for further information

about our right to make changes.

6. We may stop offering

our Airpoints
reward programme
We may stop offering our Airpoints reward programme at
any time. If we do this we’ll give you at least 30 days’ notice
unless there is a good reason why we need to give you less
(or no) notice.

7. What to do if you
dispute Airpoints
You are responsible for checking your statements to ensure
their accuracy.
If you have a dispute in relation to the awarding of Airpoints
Dollars you should aim to notify us in writing within 30 days
of the statement closing date.
Please give us full details of your dispute and provide us
with any supporting documents you have – this can include
receipts or invoices.
We may refer your dispute to Air New Zealand.
These Westpac Airpoints Terms and Conditions and the Air
New Zealand Airpoints terms and conditions are separate
terms and conditions. The Air New Zealand Airpoints terms
and conditions are not between you and us, and we are not
liable to you under them.

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8. Definitions – Westpac
Airpoints Terms
and Conditions
Account – means your Westpac transaction account that
you choose to access funds from by using your Card or
Payment Instrument.
Air New Zealand - means Air New Zealand Limited.
Air New Zealand Airpoints terms and conditions –
means the terms and conditions that govern the
Airpoints programme and published at
airnewzealand.co.nz/airpoints
Airpoints account – means the Air New Zealand account
that records the Airpoints Dollars earned, advanced and
redeemed by a member of the Airpoints programme.
Card – means your Westpac Airpoints Debit Mastercard.
Airpoints Dollars – means the Airpoints Dollars™ frequent
flyer points offered under the Air New Zealand Airpoints
terms and conditions.
Airpoints programme – means the Air New Zealand
frequent flyer programme under the Air New Zealand
Airpoints terms and conditions.
Conditions of Use – means the Conditions of Use that
apply to the use of your Card.
Nominated Earner – means the person whose Airpoints
membership number is specified on your application form
and who will earn Airpoints Dollars, for eligible transactions
made on your Card or Payment Instrument.
Payment Instrument – means any instrument or device
linked to your Account (such as a mobile phone or watch)
that can be used to make transactions on your Account.
Rewards – means the goods or services (and other items
such as vouchers) that can be redeemed in exchange for
Airpoints Dollars.
Airpoints™ and Airpoints Dollars™ are registered
trademarks of Air New Zealand Limited.

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72917WP-18 09-24_JN17750

Westpac New Zealand Limited.