How to earn hotpoints®

hotpoints® are easy to earn and quickly add up. Simply use your Westpac hotpoints credit card for your everyday spend, plus those big-ticket items - before you know it, you’ll have enough to redeem for some great hotpoints rewards!

For every dollar* you spend on your Westpac hotpoints credit card both here and overseas, you’ll automatically be rewarded with hotpoints.

hotpoints earn rate calculator

hotpoints earn rates

Card type

Earn rate

Westpac hotpoints Mastercard® $1 = 1 hotpoint
Westpac hotpoints Platinum Mastercard® $1 = 2 hotpoints
World Mastercard® $1 = 3 hotpoints
BusinessPLUS Mastercard® $1 = 1.25 hotpoints