How do cashback offers work for additional and joint cardholders?

If you’re a joint hotpoints credit cardholder, you’ll get personalised cashback offers based on how you use your card. 

You can opt in or out of cashback offers, or getting emails from us about cashback offers, and it won't affect offers or emails for your other joint cardholder.

If you’re an additional cardholder, you won't get personalised offers, but you can use your card to redeem any offer made to the primary cardholder.

The primary cardholder needs to activate the cashback offer before the additional cardholder can use their card to meet the offer conditions.

The cashback will be credited to the primary cardholder's account.

• How do I find and use cashback offers? 
• Westpac rewards how-to guides
• More about cashback offers

• Cashback offers are personalised to you based on how you use your Mastercard credit card so may differ from the offers that are available to other people. You can't give your offers to anyone else.
• Cashback payments don’t count towards your minimum monthly credit card payment, so you still need to make the payment as shown on your monthly credit card statement. 
• New offers appear in Westpac One® digital banking on the second Wednesday of each month. You may not always have new offers.
• Participating retailers and offers may change from time to time without notice. 
• hotpoints card transaction data is used only to assign offers and is processed in line with Westpac and Mastercard privacy obligations. No personally identifiable information is shared with the merchants who provide the offers. 
• Credit Card Conditions of Use apply.