hotpoints® MasterCard®

Westpac Low Interest MasterCardMore than just our lowest annual fee credit card, the hotpoints® MasterCard® also earns you hotpoints rewards on every dollar you spend. A great combination all round!


Highlights of the Westpac hotpoints MasterCard®

  • earn 1 hotpoint for every $1 spent on the card*
  • our lowest annual account fee –  $44 per year. 
  • hotpoints on every dollar you spend – redeem points for a massive range of great rewards
  • up to 55 days interest-free credit on all your purchases

Other features

  • apply to transfer your balance to any Westpac credit card and if successful, you could pay 5.95% p.a. for the life of the balance transferred**
  • flexible payment options
  • an embedded microchip for greater card security
  • contactless technology for fast and convenient payments (of under $80) on the go with MasterCard PayPass
  • the ability to link your other Westpac accounts to your MasterCard, so you can access them at the checkout and ATMs
  • overseas ATM access 
  • no international transaction fee (usually $8) when withdrawing money overseas from an ATM within the Global ATM Alliance***. See Rates & Fees tab for more information.
More details

hotpoints® MasterCard benefits

Let's take a closer look at some of the key benefits of your hotpoints MasterCard.

hotpoints® rewards

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

The benefits of hotpoints:

  • Whether it’s flights, accommodation or car rental you’re after, hotpoints offers a selection of travel rewards – like ‘Pay Using Points’ at Flight Centre, travel vouchers, or Holiday Credits. With Holiday Credits, pay for your travel with your hotpoints credit card, and then use your hotpoints to help pay for it! 
  • You can also redeem your hotpoints for a wide range of retail gift cards and merchandise, donate to charity or contribute to your Westpac KiwiSaver Scheme account – the choice is yours.

Find out more about hotpoints or visit to see how you could reward yourself. 

MasterCard Privileges

Head to the MasterCard Privileges page to find offers specially selected for MasterCard cardholders. You’ll find a broad range of local and global experiences across dining, travel, retail and entertainment.

Check out our MasterCard Privileges

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)^. View payment options here.


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
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.


hotpoints MasterCard - Fees
Fees on this page are current as at 25 October 2016 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 $2 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$8 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="" target="_blank">Transaction and Service Fees brochure</a> or <a href="" target="_blank">Business Transaction and Service Fees brochure</a> for details.
using other ATMs or at bank branches NZ$8 per transaction Note: An ATM service fee may be charged by the ATM provider.
Joint/additional card
$15 per year
Late payment fee $15 per late payment
Card over limit
Applies where you exceed your account credit limit during any statement period.
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.