hotpoints® Platinum Mastercard®

Platinum MasterCardStep up to Platinum. You'll earn more hotpoints for every dollar you spend1, plus get access to great benefits like overseas travel insurance and purchase protection2.

Special offer: Pay 0% p.a. for 12 months on balance(s) transferred to a Westpac credit card*. Find out more.


Highlights of the hotpoints® Platinum Mastercard®

  • earn 2 hotpoints® for every $1 spent on the card1
  • overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you can take each year2 (Conditions apply. See 'More details' tab for more information)
  • Purchase Protection Insurance cover for your purchases2 (Conditions apply. See 'More details' tab for more information)
  • you could extend a NZ manufacturer’s warranty by up to 12 months on goods paid for in full with your card** (Conditions apply. See 'More details' for more information)
  • a Home Assist service on call 24 hours a day3
  • up to 55 days interest-free credit on your purchases^

Other features

  • apply to transfer your balance to a 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 $3) when withdrawing money overseas from an ATM within the Global ATM Alliance^^. See Rates & Fees tab for more information.
Monitor your card spend in real time

CashNav is our new money management app that connects with your credit card to automatically track and categorise what you spend.

Find out more
More details

About hotpoints®

No other rewards programme provides more travel options than hotpoints. With Holiday Credits, you can buy any flight on any airline in the world with your hotpoints credit card, and then use your hotpoints to help pay it back later! 
You can also redeem your points for a wide range of retail vouchers and merchandise, donate to charity or contribute to any Westpac KiwiSaver Scheme Account.
Find out more about hotpoints or visit to see how you could reward yourself.

With a hotpoints Platinum Mastercard credit card, you’ll earn two hotpoints on every dollar you spend on your card1, which can then 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 points 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.

Your Travel Cover

You could be covered for up to 35 days per round trip, when you travel overseas and use your credit card for your prepaid travel costs2. A minimum spend applies for different travel regions. Family members travelling with you may also be covered when a minimum amount is pre-paid on the card.

Before you travel, make sure you’re covered and check out the policy document for full information. You can download a copy here or get a copy from any Westpac Branch or call AIG on 0800 465 322. 

Your buyer’s companion   

For peace of mind your Platinum Mastercard also provides:

Purchase Protection Insurance2 - When you pay for any purchase in full on your credit card you can rest assured knowing that should the item be lost, stolen or accidentally damaged, it could be covered for replacement for up to 90 days.

Extended Warranty Insurance2 – extend a manufacturer’s New Zealand warranty by up to 12 months on items you pay for in full on your card.

Mastercard Priceless Cities

Head to the Mastercard® Priceless® Cities 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  Mastercard Priceless Cities

Rates, fees & more

Minimum credit limit

hotpoints Platinum Mastercard has a minimum credit limit of $10,000

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 Platinum 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.


hotpoints Platinum Mastercard - Fees
Fees on this page are current as at 25 May 2017 and are subject to change.
Some overseas banks may charge an extra fee for a cash advance.
Fee typeFee amount
Annual account fee $125 per year
Paid in two 6-monthly instalments of $62.50.
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="" 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$3 per transaction Note: An ATM service fee may be charged by the ATM provider.
Joint/additional card
$25 per year
Late payment fee $12 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.