hotpoints® Platinum Mastercard®

Step up to Platinum. You'll earn more hotpoints for every dollar you spend1, plus get access to great benefits like overseas travel insurance and purchase protection2.


Earn 2 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.


Overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you can take each year.2 (See 'more details' tab for more information)


Purchase Protection insurance cover2 and extended warranty insurance for your purchases. See 'more details' tab for more information.


Access to a wide range of travel experiences with Mastercard Travel Lifestyle Services3.


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

Link your other Westpac accounts to your credit card, so you can access them at the checkout and ATMs.


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

interest rate

Pay no international transaction fee4 (usually $2) when withdrawing money from a Global ATM Alliance ATM. 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 transferred5.

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24-hour emergency credit card assistance.

cc ap merchandise

Your hotpoints Platinum Mastercard gives you access to unforgettable experiences with Priceless® Cities; and a selection of offers and discounts on dining, entertainment, shopping and travel with Priceless® Specials.


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

More details

hotpoints® rewards

No other rewards programme provides more travel options than hotpoints. With Holiday Credits, you can buy any flight on any airline in the world with your hotpoints credit card, and then use your hotpoints to help pay it back later! 
You can also redeem your points for a wide range of retail vouchers and merchandise, donate to charity or contribute to any Westpac KiwiSaver Scheme Account.
Find out more about hotpoints or visit to see how you could reward yourself.

With a hotpoints Platinum Mastercard, you’ll earn two 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.

Overseas Travel Insurance

You could be covered for up to 35 days per round trip, when you travel overseas and use your credit card for your prepaid travel costs2. A minimum spend applies for different travel regions. Family members travelling with you may also be covered when a minimum amount is pre-paid on the card.

Before you travel, make sure you’re covered and check out the policy document for full information. You can download a copy here or get a copy from any Westpac Branch or call AIG on 0800 465 322. 

Your buyer’s companion   

For peace of mind your Platinum Mastercard also provides:

Purchase Protection Insurance2 - When you pay for any purchase in full on your credit card you can rest assured knowing that should the item be lost, stolen or accidentally damaged, it could be covered for replacement for up to 90 days.

Extended Warranty Insurance2 – extend a manufacturer’s New Zealand warranty by up to 12 months on items you pay for in full on your card.

Rates, fees & more

Minimum credit limit

hotpoints Platinum Mastercard has a minimum credit limit of $10,000

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)6. View payment options here.


hotpoints Platinum 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 Platinum Mastercard - Fees
Fees on this page are current as at 25 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 $119 per year
Paid in two 6-monthly instalments of $59.50.
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
$25 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.