• Earn two hotpoints for every $1 spent on your card on eligible purchases¹.
  • You can redeem your hotpoints for anything, anywhere Mastercard® is accepted³, using hotpoints Pay®, or via the hotpoints website
  • Up to 55 days interest free on purchases when you pay off your balance in full by the payment due date⁴ (see the credit card interest-free period page for more).

See our full rates and fees


More benefits.

  • Extended Warranty Insurance of up to 12 months for goods purchased on your hotpoints Platinum Mastercard, plus 90 days' Purchase Protection that could cover loss, theft or accidental damage⁵.
  • Overseas travel insurance for up to 35 days per round trip, with no limit to the number of trips you're covered for each year⁵.
  • Make contactless payments without a PIN, for transaction amounts up to the local country limit.
  • Access to a wide range of travel experiences and privileges with Mastercard Travel and Lifestyle Services. Hotel, flights and card programs especially curated for you by Mastercard².
  • Keep business spend separate and pay no annual fee on a BusinessPLUS Mastercard with hotpoints*.

What is a credit card?

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

Keeping you safe.

How we protect you online

24/7 protection

With CardGuard® you’re protected 24/7 from fraudulent activity6. So you can use your card anywhere, anytime, and leave your worries behind.

How CardGuard keeps you safe

24-hour assistance

Whether you have lost your credit card or it’s been stolen, we’re on hand to help. You can also apply a temporary block in Westpac One® online banking.

Help with lost or stolen cards

Safer online shopping

Mastercard Identity Check is an extra layer of security that helps us make sure it’s  you that’s using your card online.

Mastercard Identity Check

hotpoints Pay.

More on hotpoints Pay
Ice creams, groceries or power bills? You can use your hotpoints for anything, anywhere Mastercard is accepted³, using hotpoints Pay. You can also use hotpoints for purchases you have already made on your hotpoints credit card.

More on hotpoints Pay


Interest rates are subject to change.

Up to 55 interest free days on purchases when you pay off your balance in full by the payment due date⁴ (see the credit card interest-free period page for more).


Fees are subject to change.
Some overseas banks and ATMs may charge an extra fee for a cash advance.

How to apply.

Apply online, via Westpac One, visit us at a branch, or call us on 0800 177 277 weekdays between 8am and 6pm and 9am to 3pm on Saturdays.

We may contact you using the details captured in the application process to see how we can help with your application.


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

Things you should know.

*Westpac hotpoints Platinum Mastercard will not be charged the BusinessPLUS Mastercard annual fee for as long as they keep their personal hotpoints Platinum Mastercard account open, subject to any withdrawal at Westpac’s discretion without further notice. You will be personally responsible for all credit extended by Westpac under a BusinessPLUS Mastercard with hotpoints, irrespective of whether a business name appears on the card.

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 Any costs incurred by using the Mastercard Travel and Lifestyle Services are at the cardholder’s expense.

3 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.

4 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.

5 Terms, conditions, exclusions and eligibility criteria apply (see Applicable Policy Document for details), including a minimum spend for certain travel regions. The availability of any insurance cover is subject to the acceptance and approval of a complete application. Any payment is subject to your claim being accepted. Travel, Extended Warranty and Purchase Protection Insurances arranged by Westpac and underwritten by AIG Insurance New Zealand Limited. Westpac does not guarantee the obligations of, or any products issued by, AIG.

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

7 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$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.     

8 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:

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