Dratsab:
Fuel reserves have mandated minimums. Here's a link to part 91 of the CAA rules. Check sub rule 305 on pages 71/72. Whilst overweight baggage may have potential to cause these reserves to be slightly underestimated, in a small country like NZ it shouldn't (not necessarily won't) make too much difference.
EDIT: Oops - forgot mention that this is for VFR. IFR fuel requirements (sub rule 403) are on page 77.
And also only applies to NZ registered and operating aircraft, in the case of Jetstar (which are registered in Australia) have to comply with CASA requirements. They are quite different in regards to the fuel required. Also Part 91 is part of the story for NZ registered aircraft as it applies to all aircraft you also have to look in Part 135 for the fuel requirements for commercial flights under 5700kg, Part 125 for commercial flights for aircraft greater than 5700kg and less than 31 seats and Part 121 for larger aircraft. Each rule part does mean different fuel requirements.
But as we are talking about an Australian registered aircraft, their rules apply even over here in regards to holding for INTER and TEMPO forecasts, alternate requirements and fuel that must be carried.
Also if you are taking off out of say Wellington heading for Auckland with fog, a full load of passengers, carrying your two required weather alternates (ie, fuel to go to Auckland, fuel to return to Wellington and then from Wellington to Christchurch, minimum reserves plus weather holding, taxi, take off, approach, landing, missed approach and APU burn) It can some days be in excess for 10T of fuel.
Add on 186 passengers, plus bags out of Wellington and you will be very close to your RTOW. But hey what do I know, I only do load control and fly the A320.