hotpoints® Mastercard®

Earn rewards on your everyday spend with hotpoints, from vouchers to travel, merchandise and more. All while enjoying  a low annual account fee.


Earn 1 hotpoint for every $1 spent on your card.1 You can redeem your hotpoints for anything, anywhere Mastercard is accepted*, using hotpoints Pay®, or via the hotpoints website. Browse our range of rewards here.


Up to 55 days interest free on purchases. Conditions apply^


Calculate how many hotpoints you could earn with a Westpac hotpoints credit card and see what rewards you could get with our hotpoints calculator.

Contactless technology for fast and convenient payments with Mastercard Tap & Go™.


Westpac CardGuard® protects you 24/7 from fraudulent activity2. Misplaced your card? Temporarily block or unblock your card with Card Blocker

interest rate

Pay no international transaction fee (usually $2) when withdrawing money from a Global ATM Alliance ATM2. See 'Rates and Fees' for more details.

cc ap merchandise

Apply to transfer your balance to a Westpac credit card and you could pay only 5.95% p.a. for the life of the balance transferred3.

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24-hour emergency credit card assistance.

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Head to Mastercard Priceless Cities for special offers on a broad range of local and global experiences.


Monitor your card spend in real time with CashNav - our money management app. Find out more.

More details

hotpoints® rewards

With a hotpoints Mastercard, you’ll earn hotpoints on every dollar you spend on your card1, and redeem them for our wide range of rewards. 


hotpoints rewards
You can use your hotpoints on just about anything*. With hotpoints Pay you can use your hotpoints for purchases at millions of local, international and online retailers,  anywhere Mastercard is accepted*. There’s also a wide range of rewards you can redeem for via the hotpoints website, so take a look at what your points could get you. 


How to earn hotpoints
Here's how to earn hotpoints with your Westpac hotpoints credit card.

How to redeem your hotpoints
It's simple to turn your hotpoints into great rewards.

Find out more at to see how you could reward yourself with a Westpac hotpoints credit card. 

Rates, fees & more

Minimum credit limit

hotpoints Mastercard has a minimum credit limit of $500

Repayment options

Pay your card off in full or make any payment above the monthly minimum (either 2% or $5 of the balance owing  - whichever is greater)4 . View payment options here.


hotpoints Mastercard - Interest rates
CardInterest rates
Purchases (and other fees & charges) 20.95% p.a.
Balance transfer rate
Transfer balances from another bank’s credit card, overdraft, personal loan, or hire purchase agreement to a Westpac credit card.
 > More on balance transfers
5.95% p.a. on the balance transferred for the life of the balance.
Cash advance rate

22.95% p.a.


hotpoints Mastercard - Fees
Fees on this page are current as at 20 January 2021 and are subject to change.
Some overseas banks may charge an extra fee for a cash advance.
Fee typeFee amount
Annual account fee $44 per year
Cash advance in NZ using an ATM Free per transaction
at other bank ATMs Free per transaction
Westpac branch teller $3 per transaction
Cash advance overseas using Global ATM Alliance ATMs Free  Transaction fees do not apply when using ATMs within the Global ATM Alliance in the respective country shown. Institutions participating in the Global ATM Alliance are subject to change but currently include Deutsche Bank (Germany), Bank of America (United States), Scotiabank (Canada), Barclays Bank (United Kingdom), BNP Paribas (France), Westpac (Australia) and Westpac (New Zealand).The NZ$2 for credit card and NZ$3 for debit card international transaction fee saving applies to Westpac customers only, and is subject to change. All other international and standard fees apply including foreign currency conversion fees apply – see the  <a href="" target="_blank">Transaction and Service Fees brochure</a> or <a href="" target="_blank">Business Transaction and Service Fees brochure</a> for details.
using other ATMs or at bank branches NZ$2 per transaction Note: An ATM service fee may be charged by the ATM provider.
Joint/additional card
$15 per year
Late payment fee $8 per late payment
Card over limit
Applies where you exceed your account credit limit during any statement period.
Replacement card
where original card is lost, damaged or stolen
$10 per card
Courier delivery in NZ/overseas Courier costs where applicable 
Foreign currency fee 1.4% of transaction amount A foreign currency fee is charged when you make a purchase or cash withdrawal in a foreign currency, and also applies to any fees and charges charged by the overseas bank or vendor in relation to the transaction. This fee is also charged when you make online purchases in a foreign currency.