Activate your OneSmart™ card

And make spending overseas as easy as spending at home

Activate now

Don't have a card? Request one.


What is OneSmart?

If you’re an Airpoints™ member travelling the world, we can help make life a little easier when it comes to making purchases overseas.

  • OneSmart is a reloadable multi-currency prepaid card that can be used anywhere in the world that Mastercard is accepted

  • OneSmart makes spending in different countries effortless – load up to eight foreign currencies, plus New Zealand Dollars

  • The only prepaid card that earns you Airpoints Dollars™. You’ll earn 1 Airpoints Dollar for every $100NZD spent overseas.i

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Features & Benefits

  • Use OneSmart everywhere Mastercard is accepted worldwide – and that’s just about everywhere.iii

  • Need cash? Withdraw local currency from any ATM where Mastercard is accepted. Plus each month, your first three ATM withdrawals are free.iv

  • Use OneSmart at home here in New Zealand too – and online. Earn 1 Airpoints Dollar for every NZD $200 you spend domestically.

  • Instantly load money to your OneSmart account with debit loads. That means no internet banking, no fuss, and no wait time.

  • Earn 1 Airpoints Dollar for every NZD $100 spent overseas.

  • Download the app for iOS and Android today, it’s a convenient and secure way to manage your travel money.


  • Load straight into the available currencies of your choice. Lock in up to eight foreign currencies at the daily exchange rate.ii

Where can I use it?



Easily manage your money while you’re overseas by loading directly into foreign currency – there are eight to choose from. Your card will intelligently select the currency of the country you are in if you have that currency loaded.

In Store

In Store

With OneSmart, even your everyday purchases are more rewarding. Earn 1 Airpoints DollarTM for every NZ$200 you spend in New Zealand, anywhere Mastercard is accepted.



OneSmart lets you shop online in the currency of a lot of your favourite international stores.

OneSmart Mastercard Priceless® Specials

Discover exclusive Mastercard® curated offers and discounts with OneSmart. Available across a range of categories including entertainment, dining, arts and culture at home and overseas. Plus, you’ll earn Airpoints Dollars™ on eligible purchases2.

Find out more

Fees & Limits

Frequently asked questions and contact help

What currencies can I hold in my OneSmart Account?
Where can I use OneSmart?
Why would I use OneSmart when travelling instead of my debit or credit card?
What happens to my OneSmart functionality when my Airpoints™ Card expires or my Airpoints Tier Status changes?
What is my card’s security code (CVC)?
Is there anything I can’t use OneSmart for?
Is there anything I shouldn’t use OneSmart for?
Am I able to change the order in which currencies will be drawn on from my OneSmart Account?
When will my funds be available when I load them into my OneSmart Account?
What should I do if my Airpoints™ card is lost or stolen and my OneSmart account is
How do I file a dispute on a OneSmart card transaction I didn’t make?
What is Dynamic currency conversion?
What would happen if I did accept a Dynamic currency conversion?
Are there any countries my OneSmart card won’t work in?
Is there a OneSmart App I can download?
How can I transfer money to my OneSmart account?
What is a card issuer?
How do I manage my OneSmart Account balance?
How do I check my balance?

Still have a question?

Contact the OneSmart Customer Service Centre, we’re here to help 24/7.

Within NZ 0800 787 555

From Overseas+64 9 377 8535