hotpoints® credit cards

Reward yourself your way, with shopping vouchers, travel, technology and more. With a hotpoints credit card, the choice is yours.

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.

hotpoints® Mastercard®

Be rewarded for everyday spend with hotpoints, while enjoying a low annual account fee.
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hotpoints® Platinum Mastercard®

Get higher hotpoints earning power and benefits like travel and purchase protection insurance.
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hotpoints® World Mastercard®

Enjoy exclusive privileges, premium offers and our highest hotpoints earn rate to fast-track your rewards.
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BusinessPLUS Mastercard®

Earn hotpoints® on your spending* while enjoying benefits such as travel insurance.
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Monitor your card spend in real time

CashNav is our new money management app that connects with your hotpoints® card to automatically track and categorise what you spend.
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We're making changes to our conditions of use

These apply to hotpoints credit cards.

Find out more

View Terms and Conditions

*You will be personally responsible for all credit extended by Westpac under a BusinessPLUS MasterCard, irrespective of whether a business name appears on the card.

This material on this page is provided for information purposes only, without taking your particular financial situation or goals into account.

**Offer extended to 30th September 2017, subject to any further extension or withdrawal at Westpac’s discretion without further notice. After 12 months the standard purchase interest rate at that date (which may be higher than the current rate) will apply to transferred balances. All applications are subject to Westpac approval. Balance Transfer Terms and Conditions and lending criteria apply. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will be applied against balance transfers (until paid in full) before cash advances and new purchases, but after charges and interest that have accrued. Interest rates shown are current as at 1 May 2017 and are subject to change without notice. All new purchases, cash advances and any unpaid interest or fees will incur interest at the standard interest rate in accordance with the card's Conditions of Use. Balances cannot be transferred to a Mastercard BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints.

^Offer extended to 30th September 2017, subject to any further extension or withdrawal at Westpac’s discretion without further notice. Cannot be used in conjunction with other promotional offers other than a balance transfer offer. Customers who have held a Westpac hotpoints® Mastercard® within the past 18 months are ineligible for the offer on a new card of the same type as previously held. After 2 years, the annual account fee for the applicable card at that time applies.

hotpoints® are available only with the Westpac hotpoints Mastercard, Platinum Mastercard, or World Mastercard. Visa Credit Card applications are no longer accepted, but hotpoints will be earned on existing Visa hotpoints credit cards. Vouchers and products are subject to availability and may be withdrawn or substituted at anytime. There is a minimum number of hotpoints you must earn before you are eligible to claim rewards or reward vouchers. Hotpoints terms and conditions apply. 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. Westpac is not responsible for the quality or suitability of any such goods or services. hotpoints® is a registered trademark of Westpac Banking Corporation. Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. Westpac New Zealand Limited.

hotpoints® credit cards

hotpoints® Mastercard®

hotpoints® Platinum Mastercard®

hotpoints® World Mastercard®

BusinessPLUS Mastercard®

CardGuard®

Balance transfer

All about hotpoints®

Westpac PayTag®

Monitor your card spend in real time

We're making changes to our conditions of use