hotpoints® Mastercard®.

A credit card gives you access to credit up to an agreed limit, so you can pay for goods or services anywhere Mastercard is is accepted. 

With a credit card, you should aim to pay the balance owing in full each month to avoid paying interest on your purchases. There are other fees and charges that apply which are outlined on our website. 

If you’re looking to use a credit card for a large one-off payment, it might not be the right product for you. You can talk through your options with someone in our team either at your local branch or by giving us a call on 0800 400 600.

If you think a credit card is right for you, the next step is to decide which type of card to get. To help you decide which credit card is best for you, compare our cards. 

¹ Certain purchases and transactions are not eligible to earn hotpoints. Eligible purchases exclude cash advances, charges, interest, tax payments, cash substitutes, business expenditure (excluding transactions made on a BusinessPLUS Mastercard), balance transfers, transactions on your nominated account(s) linked to your credit card, any transaction that is reversed, refunded or charged back. 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. See the applicable Credit Card Conditions of Use for details.

² Hotpoints terms and conditions apply. 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 eligible purchases made with a hotpoints Mastercard can be used for hotpoints Pay. There is a minimum number of hotpoints you must earn before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay. See the applicable Credit Card Conditions of Use for details.

³ 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. See credit card interest-free period page for how it works.

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

⁵ 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. 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®. 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. Interest rates 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. 

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.

Rewards and reward vouchers are subject to availability and may be withdrawn or substituted at any time.

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 accepts no responsibility for the availability or content of any third party websites and makes no representation as to the accuracy or currency of the materials.

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

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

Terms and conditions  

Eligibility criteria, lending criteria, terms and conditions apply. See:

• Westpac Credit Card Conditions of Use.
• Hotpoints Terms and Conditions.
• Transaction and Service Fees Brochure.

View terms and conditions for all our credit card products here.