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hotpoints® credit cards.
A hotpoints® credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard® is accepted, all while earning hotpoints for every dollar you spend¹.
Options.
*Fee charged annually in advance.
**Fees charged in advance in two six-monthly instalments.
1 Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit Card Conditions of Use for full details. ^
2 Interest free days give you access to interest-free credit - if you pay off your balance in full (excluding balance transfers) by the payment due date. Cash advances, balance transfers and interest rates and fees are not purchases and have no interest free days. See Credit Card Interest-free Period page for how it works.
Eligibility and lending criteria, exclusions, terms and conditions apply. See the specific product page for more information. Interest rates and fees are subject to change without notice. See also how credit card interest works for more information on interest free periods.
What is a credit card?
A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is accepted.
With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website.
If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.
If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards.
Using your hotpoints for rewards.
hotpoints store
Redeem hotpoints for a wide range of products, gift cards and eCards, on the hotpoints website.
Donate to the Westpac Rescue Helicopter
You can donate your hotpoints to the Westpac Choppers in your local region.
KiwiSaver
Convert your hotpoints into contributions towards an existing Westpac KiwiSaver Scheme3 account – either your own, or someone else’s.
hotpoints Pay for everyday purchases.
You can use your hotpoints for anything, anywhere Mastercard is accepted⁴, using hotpoints Pay. You can also use hotpoints for purchases you have already made on your hotpoints credit card.
More about hotpoints PayWhy Westpac?
24/7 protection
With CardGuard® you’re protected 24/7 from fraudulent activity5. Use your card anywhere, anytime, and leave your worries behind.
Smart ways to pay
Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay6 or Google Pay™7.
Track your spending
CashNav® lets you track and categorise your spend so you can see where your money is going and better understand your spending habits.
Things you should know.
^ Certain purchases and transactions do not earn hotpoints (see the applicable Credit Card Conditions of Use for full details), including: fees, charges or interest, balance transfers, credit card repayment insurance, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling), cash withdrawals from your account, money orders, travellers cheques and foreign currencies in cash, business-related purchases made with a hotpoints Mastercard other than a Westpac BusinessPLUS Mastercard and transactions on any nominated account(s) linked to your hotpoints Mastercard (the “excluded transactions”). The tiered earn rates will reset at the start of each calendar month.
3 BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme.
4 Hotpoints terms and conditions apply. Only qualifying purchases (which, for the avoidance of doubt, do not include any purchases or transactions which are excluded transactions) made with a hotpoints Mastercard can be used for hotpoints Pay. In addition, there is a minimum number of hotpoints that must be earned before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay. See the applicable Credit Card Conditions of Use for full details.
5 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.
6 Apple Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Apple device. For a list of compatible Apple Pay devices, see Apple Support. Terms and conditions apply to Apple Pay, see Westpac Apple Pay Terms and Conditions for more information.
7 Google Pay is available to eligible Westpac debit and credit Mastercard customers. Customers also need a compatible Android device. For a list of compatible Google Pay devices, see Google Support. Terms and conditions apply to Google Pay, see Westpac Google Pay Terms and Conditions for more information.
Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time.
Lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply. If you only make the minimum repayment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.
hotpoints® and hotpoints Pay® are registered trademarks of Westpac Banking Corporation.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.