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.
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.
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Earn 2 hotpoint for every $1 spent on your card.1 You can redeem your hotpoints for a range of rewards, from vouchers to travel, merchandise and more. Browse our range of rewards here. |
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Up to 55 days interest free on purchases^ |
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Calculate how many hotpoints you could earn with a Westpac hotpoints credit card and see what rewards you could get with our hotpoints calculator. |
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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) |
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Purchase Protection insurance cover2 and extended warranty insurance for your purchases. See 'more details' tab for more information. |
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A home assistance service on call 24 hours a day3. |
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Contactless technology for fast and convenient payments (of under $80) on the go with Mastercard Tap & Go™. |
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Link your other Westpac accounts to your credit card, so you can access them at the checkout and ATMs. |
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Westpac CardGuard® protects you 24/7 from fraudulent activity. Misplaced your card? Temporarily block or unblock your card with Card Blocker. |
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Pay no international transaction fee4 (usually $2) when withdrawing money from a Global ATM Alliance ATM. See 'Rates and Fees' for more details. |
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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. |
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Head to Mastercard Priceless Cities for special offers on a broad range of local and global experiences. |
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Monitor your card spend in real time with CashNav - our money management app. Find out more. |
With a hotpoints Platinum Mastercard, you’ll earn two hotpoints on every dollar you spend on your card1, which can then be redeemed for an extensive range of rewards.
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hotpoints rewards |
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How to earn hotpoints |
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How to redeem your hotpoints |
Find out more at hotpoints.co.nz to see how you could reward yourself with a Westpac hotpoints credit card.
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.
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.
hotpoints Platinum Mastercard has a minimum credit limit of $10,000
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 | |
Card | Interest rates |
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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 7 December 2019 and are subject to change. Some overseas banks may charge an extra fee for a cash advance. |
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Fee type | Fee amount | |
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Annual account fee | $119 per year Paid in two 6-monthly instalments of $59.50. |
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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="http://www.westpac.co.nz/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/transaction_service_fees.pdf" target="_blank">Transaction and Service Fees brochure</a> or <a href="http://www.westpac.co.nz/assets/Personal/Your-Money-and-Tailored-Packs/Brochures/business_transaction_and_service_fees.pdf" 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. |
$1 | |
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. |