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hotpoints® credit cards.

There's plenty of ways to reward yourself with a hotpoints Mastercard®. Earn points you can spend like cash¹, and get special access to presale tickets to the hottest events around.

Options.

See our full rates and fees
See our full rates and fees

*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.

Person in a music concert crowd showing heart sign with hands

Pay with points.

More about hotpoints Pay
From getting groceries to booking beachside breaks, hotpoints Pay® lets you turn your purchases into rewarding moments¹. Just turn on hotpoints Pay® in the Westpac One® app, make an eligible purchase¹ with your hotpoints Mastercard, and the dollar value of your points will be credited back to your account. It’s that easy!
More about hotpoints Pay
More about hotpoints Pay

Using your hotpoints for rewards.

hotpoints store

Redeem hotpoints for a wide range of products, 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

Why Westpac?

Credit cards don't have to be scary

Facing those fears is easy with the right tools and some smart moves.

Explore fear-free credit guide

Control your cards in one place

Simple and secure controls in Westpac One digital banking. 

See the tools available

Learn about digital cards

Shop online with extra peace of mind. 

Reasons to love your digital Westpac card

How to apply.

Apply on the Westpac website, in Westpac One digital banking or visit your local branch. We may contact you using the details captured in the application process to see how we can help with your application. If your new credit card is approved, you’ll be able to access the key information for your account in the Westpac One® app to use your digital card details to shop online and add your new card to your digital wallet.
Apply online
Apply in Westpac One

FAQs.

More questions on hotpoints or credit cards? Get extra help.
More on credit cards
More on hotpoints

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.

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:

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.