Yes, hotpoints last for three years unless you cancel your card or switch to a non hotpoints Westpac credit card such as an Airpoints™ credit card or Fee Free Mastercard®. In both instances, your hotpoints will expire 90 days from the date you close your hotpoints credit card account.

Once we have received your closure request, your card will be removed from your Westpac One® online banking profile and you can't use it anymore. This also removes the link to log in to hotpoints online. Any remaining points you had can be accessed by calling us on 0800 861 862, weekdays between 8am and 6pm. Any remaining hotpoints will expire 90 days from when your account is closed.

During the 90-day expiry period, you won't be able to:

  • Redeem hotpoints online only over the phone by calling 0800 861 862, weekdays between 8am and 6pm
  • Redeem hotpoints for hotpoints Pay®
  • Use the Points + Pay mechanism.

Terms and exclusions apply. Credit Card Conditions of Use for the applicable card apply. Find out more at

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Points + Pay option is available on selected voucher and merchandise rewards redeemed online at, once you have logged in from Westpac online banking. Only Westpac hotpoints credit cards can be used for the pay portion. Points + Pay terms and conditions apply see for details.