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How can I use my hotpoints?

hotpoints® gives you flexible ways to spend your credit card rewards.

  • Turn on hotpoints Pay® in Westpac One® and spend wherever Mastercard® is accepted. You'll need at least $3 of hotpoints to use hotpoints Pay.
  • Pay for recent credit card purchases (if you’ve enough hotpoints to cover them in full).
  • Redeem your hotpoints for gift cards, KiwiSaver contributions or use your hotpoints to support the Westpac Rescue Helicopters through the hotpoints website.

Redeem your hotpoints in Westpac One® digital banking.

Your card must be valid to use hotpoints Pay.

To use hotpoints Pay, your card must be active and able to buy something.

If your card is blocked, at its limit, or the hotpoints purchase would take your card over its limit, hotpoints Pay won't work and your payment will be declined. You can still redeem for other reward options, such as gift cards, products from the hotpoints store, chopper donations and KiwiSaver which don't require the use of your credit card.

Confirmation text.

We’ll send a text to your phone to confirm your hotpoints Pay purchase. If you don’t get a text, check or add your phone number in Westpac One digital banking.

If you don't use digital banking.

If digital banking isn’t an option for you, we’re here to help.

Call us on 0800 861 862, weekdays between 8am and 6pm, and we can turn on hotpoints Pay for your next purchase.

Video - What is hotpoints Pay?

Things you should know.

  • If you get a refund for something you’ve paid for with your hotpoints® credit card, the hotpoints you earned on that purchase will be reversed.
  • Certain purchases and transactions do not earn hotpoints (for full details check the applicable card Conditions of Use  ) including: fees, charges or interest, balance transfers, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling) cash withdrawals from your account, money orders, travellers cheques and foreign currencies in cash, business-related purchases made with a hotpoints Mastercard other than a Westpac BusinessPLUS Mastercard and transactions on any nominated account(s) linked to your hotpoints Mastercard (the “excluded transactions”). The tiered earn rates will reset at the start of each calendar month. 
  • Conditions of use and hotpoints® terms and conditions apply. Check the Credit Card Conditions of Use .
  • You need at least $3 value of hotpoints® to use hotpoints Pay.
  • Only a hotpoints Mastercard (or linked Payment Instrument) can be used for hotpoints Pay. Once activated, the next eligible transaction made on your card will use your hotpoints (up to the hotpoints Pay value) and a credit for that dollar amount will appear on your account within the next two business days.
  • Check the Conditions of Use for your card for more details.
  • hotpoints® and hotpoints Pay® are registered trademarks of Westpac Banking Corporation.
  • Only a hotpoints Mastercard (or linked Payment Instrument) can be used for hotpoints Pay. Once activated, the next eligible transaction made on your card will use your hotpoints (up to the hotpoints Pay value) and a credit for that dollar amount will appear on your account within the next two business days.
  • hotpoints® and hotpoints Pay® are registered trademarks of Westpac Banking Corporation.
  • Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.