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hotpoints® credit cards.
Earn hotpoints® on eligible spending with a hotpoints Mastercard® and use them like cash¹. Plus, unlock cashback offers and access to Mastercard Presale and Preferred tickets.
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.
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.
Cashback offers - now on hotpoints credit cards.
Get cashback at the places you love to shop when you pay with your hotpoints Mastercard. Cashback offers are linked straight to your card - just activate the offer the offer in Westpac One® digital banking, use your card and get cashback⁵.
Pay with Points.
More about hotpoints Pay
Unlock unforgettable experiences with presale tickets.
Access Mastercard Presale and Preferred tickets, plus Priceless Experiences, with your Westpac Mastercard.
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.
Card security.
How we protect your card
24/7 fraud protection
CardGuard® with Zero Liability protection helps keep your money safe with 24/7 monitoring for fraudulent activity and unauthorised transactions⁴, at no extra cost.
Instant block & replace
Can't find your card? You can temporarily block or unblock your card in Westpac One®. If your card has been lost or stolen, replace it with a new digital version that's ready to use straight away.
Control your cards in one place
Turn contactless or online payments off, stop ATM withdrawals and change your PIN in the Westpac One app.
Dynamic security code
Keep your card details safer online with your card’s dynamic security code. It changes after 24 hours in the Westpac One app, reducing the risk of fraud if your card details are ever stolen.
Check your eligibility.
When you apply online for a Westpac credit card, we’ll need some details.
- You need to be 18 years or older. You'll need your NZ Driver Licence or NZ Passport details to confirm your age.
- You must be a New Zealand citizen or permanent resident living in New Zealand.
- You'll need your foreign tax details if you're a foreign tax resident of any country other than New Zealand.
- You'll need details on what you earn, spend and owe. You can use your last three months of bank statements for this. We may ask for extra documents, depending on your situation.
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, 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 Pay® terms apply. You need at least $3 value of hotpoints® to use hotpoints Pay. Only a hotpoints Mastercard® (or linked Payment Instrument) can be used for hotpoints Pay. Once activated, the next eligible transaction made on your card will use your hotpoints (up to the hotpoints Pay value) and a credit for that dollar amount will appear on your account within the next two business days. See the Conditions of Use for your card for further details.
5 Cashback offers are subject to eligibility criteria and may change or be withdrawn at any time. Cashback is usually credited within a few days but can take up to 14 days. To bring you relevant cashback offers, Westpac uses your hotpoints card spending information. You can review and update your preferences anytime in Westpac One by going to Profile > Permissions > Rewards.
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.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Terms and conditions
Eligibility criteria, lending criteria, terms and conditions apply. See:
- Westpac Credit Card Conditions of Use
- Transaction and Service Fees Brochure
- Key information Brochure
- Balance Transfer Terms and Conditions
View terms and conditions for all our credit card products.
Westpac One App Terms and Conditions which incorporate Westpac’s General Terms and Conditions and the Westpac Website Terms of Use apply.