Options.

1The amount of eligible spend that can earn hotpoints is capped at $60,000 a month. Any spend over $60,000 on eligible purchases in each relevant month will not earn hotpoints.

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.

Zero percent per annum balance transfer

Using your hotpoints for rewards.

hotpoints online store

Redeem hotpoints for a wide range of merchandise rewards, gift cards and eCards, on the hotpoints website. 

See rewards

Donate to the Westpac Rescue Helicopter

You can donate your hotpoints to the Westpac Choppers in your local region.

See how to donate

KiwiSaver

Convert your hotpoints into contributions towards an existing Westpac KiwiSaver Scheme3 account – either your own, or someone else’s.

See how this works
Friends inside a general store

Why Westpac?

24/7 protection

With CardGuard® you’re protected 24/7 from fraudulent activity4. Use your card anywhere, anytime, and leave your worries behind.

How CardGuard keeps you safe

Smart ways to pay

Enjoy all the benefits of a Westpac credit card using your mobile device with Apple Pay5.

Your digital payment options

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.

Discover CashNav

How to apply.

Apply online via Westpac One, visit us at a branch, or call us on 0800 177 277 between 8am - 6pm Monday to Friday or 9am - 3pm Saturdays.

We may contact you using the details captured in the application process to see how we can help with your application.

FAQs.

More questions on hotpoints? Get extra help.

Things you should know.

The amount of eligible spend that can earn hotpoints is capped at $60,000 a month. Any spend over $60,000 on eligible purchases in each relevant month will not earn hotpoints.

2 Eligible purchases exclude gambling chips or gambling transactions (including online gambling), cash advances, interest charges, tax payments, or transactions on any nominated account(s) linked to your credit card or account, or any other purchase that Westpac deems ineligible for hotpoints Pay. Only purchases made with a hotpoints Mastercard can be used for hotpoints Pay. See the applicable Credit Card Conditions of Use for details.

3 BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme.

4 Provided you notify us as soon as possible, have not acted fraudulently or negligently, and have complied with the card’s Conditions of Use.

5 Apple Pay is available to all eligible Westpac debit and credit Mastercard customers. Excludes Mastercard BusinessCard, Westpac Business Prepaid Mastercard, hotpoints Visa, hotpoints Gold Visa, hotpoints Portfolio Gold Visa, Prepaid and Global Currency cards. Customers also need a compatible Apple Device.

*Offer ends 10 May 2021, 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. You can transfer up to 95% of your available credit card limit. 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. Balances cannot be transferred to a Mastercard® BusinessCard/Purchasing Card. Balance transfers do not earn Airpoints Dollars™ or hotpoints®. Payments you make to your Westpac credit card will first go to charges and interest accrued, then to cash advances and purchases, followed by balance transfers as they appear on your last statement. Payments will then be applied to transactions that have not yet appeared on a statement in the same order. If you have multiple balance transfer rates, payments will first be applied to the balance transferred on the highest interest rate. 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. If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.

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.

Mastercard is a registered trade mark and the circles design is a trade mark of Mastercard International Incorporated.

hotpoints® and hotpoints Pay® are a registered trademarks of Westpac Banking Corporation.