hotpoints® credit cards

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

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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5.95% p.a. Balance transfer rate

Apply to transfer your balance(s) to a Westpac credit card and pay 5.95% p.a. for the life of the balance transferred^

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View Terms and Conditions

Payments will be applied to charges and accrued interest, then to cash advances and purchases, followed by balance transfers. If you have multiple balance transfer rates, payments will first be applied to the balances transferred at the highest interest rate.

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.

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 Vouchers and products are subject to availability and may be withdrawn or substituted at anytime.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 is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated. Westpac New Zealand Limited.

^Rate will apply to balance(s) transferred until that balance(s) is paid off. Balance Transfer Terms and Conditions and lending criteria apply. All applications are subject to Westpac approval. You cannot transfer a balance from a Westpac card or loan. Payments made to your Westpac credit card will first be applied to charges and interest accrued, then to cash advances and purchases, followed by balance transfers. Interest rates and fees are current as at 21 January 2021 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. You can transfer up to 95% of your available credit card limit. Your card must remain within its credit limit after the balance has been transferred. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. You must close any facilities indicated in this application as being repaid by the Balance Transfer.

hotpoints® credit cards

hotpoints® Mastercard®

hotpoints® Platinum Mastercard®

hotpoints® World Mastercard®

BusinessPLUS Mastercard®

CardGuard®

Balance transfer

All about hotpoints® credit card rewards

Westpac PayTag®

Monitor your card spend in real time

5.95% p.a. Balance transfer rate