hotpoints® Mastercard®

hotpoints MastercardEarn rewards on your everyday spend with hotpoints, from vouchers to travel, merchandise and more. All while enjoying  a low annual account fee.

Current offers

  • $0 annual fee for 2 years** with a new hotpoints® Mastercard®
  • Pay 0% p.a. for 12 months on balance(s) transferred to a Westpac credit card*. Find out more.

 

Highlights
CashNav

Earn 1 hotpoint for every $1 spent on your card.1you can redeem your hotpoints for a range of rewards, from vouchers to travel, merchandise and more. Browse our range of rewards here.

CANSTAR Low Rate

Calculate how many hotpoints you could earn with a Westpac hotpoints credit card and see what rewards you could get with our hotpoints calculator.


Contactless technology for fast and convenient payments (of under $80) on the go with Mastercard Tap & Go™.

CardGuard®

Westpac CardGuard® protects you 24/7 from fraudulent activity2. Misplaced your card? Temporarily block or unblock your card with Card Blocker

interest rate

Pay no international transaction fee (usually $3) when withdrawing money from a Global ATM Alliance ATM2. See 'Rates and Fees' for more details.

cc ap merchandise

Apply to transfer your balance to a Westpac credit card and you could pay only 5.95% p.a. for the life of the balance transferred3.

go mobile

24-hour emergency credit card assistance.

cc ap merchandise

Head to Mastercard Priceless Cities for special offers on a broad range of local and global experiences plus get $11 movies including a junior popcorn & drink with Mastercard Wednesdays.4

CashNav

Monitor your card spend in real time with CashNav - our money management app. Find out more.

More details

hotpoints® rewards

With a hotpoints Mastercard, you’ll earn hotpoints on every dollar you spend on your card1, which can be redeemed for an extensive range of rewards.

CashNav

hotpoints rewards
You won't believe the range of rewards available through hotpoints. Take a look to see what your points can get you.

CANSTAR Low Rate

How to earn hotpoints
Here's how to earn hotpoints with your Westpac hotpoints credit card.


How to redeem your hotpoints
It's simple to turn your hotpoints into great rewards.

Find out more at hotpoints.co.nz to see how you could reward yourself with a Westpac hotpoints credit card. 

Rates, fees & more

Minimum credit limit

hotpoints Mastercard has a minimum credit limit of $500

Repayment options

Pay your card off in full or make any payment above the monthly minimum (either 2% or $5 of the balance owing  - whichever is greater)4 . View payment options here.

Rates

hotpoints Mastercard - Interest rates
CardInterest rates
Purchases (and other fees & charges) 20.95% p.a.
Balance transfer rate
Transfer balances from another bank’s credit card, overdraft, personal loan, or hire purchase agreement to a Westpac credit card.
 > More on balance transfers
0.00% p.a.*special rate  for 12 months on the balance transferred
5.95% p.a. for the life of the balance transferred
Cash advance rate
Cash advances on all Westpac credit cards, excluding those on Portfolio pricing
22.95% p.a.

Fees 

hotpoints Mastercard - Fees
Fees on this page are current as at 26 June 2017 and are subject to change.
Some overseas banks may charge an extra fee for a cash advance.
Fee typeFee amount
Annual account fee $44 per year
Cash advance in NZ using a Westpac ATM $2 per transaction
at other bank ATMs $2 per transaction
Westpac branch teller $3 per transaction
Cash advance overseas using Global ATM Alliance ATMs $0  Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand).The NZ$3 international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the  <a href="http://www.westpac.co.nz/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/transaction_service_fees.pdf" target="_blank">Transaction and Service Fees brochure</a> or <a href="http://www.westpac.co.nz/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/business_transaction_and_service_fees.pdf" target="_blank">Business Transaction and Service Fees brochure</a> for details.
using other ATMs or at bank branches NZ$3 per transaction Note: An ATM service fee may be charged by the ATM provider.
Joint/additional card
$15 per year
Late payment fee $12 per late payment
Card over limit
Applies where you exceed your account credit limit during any statement period.
$3 
Replacement card
where original card is lost, damaged or stolen
$15 per card
Courier delivery in NZ/overseas Courier costs where applicable 
Foreign currency fee 2.50% of NZD converted value of foreign currency transaction amount When you use your Westpac credit card to make an overseas transaction, you'll pay a foreign currency fee. This is currently 2.5% of the New Zealand dollar converted value of the foreign currency transaction amount. A foreign currency conversion fee is applied to purchases, cash withdrawals and any fees and charges in a foreign currency incurred by you from the overseas merchant or merchant bank for that transaction.