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How do I find and use my hotpoints?

Here’s how to find and reedeem your hotpoints in Westpac One® digital banking.

Where to find your hotpoints.

Go to Accounts in the app or online banking, then scroll and choose Rewards & hotpoints to: 

  • Turn on Pay with points and use your points wherever Mastercard® is accepted
  • Use points to pay for things you’ve already bought with your credit card (if you’ve enough hotpoints to cover them in full)
  • Use your hotpoints to get gift cards, make contributions to any Westpac KiwiSaver Scheme account*, or donate to the Westpac Rescue Helicopters.

You’ll need at least $3 worth of hotpoints before you can redeem your points for a reward. 

Redeem your hotpoints in Westpac One® digital banking.

Your card must be valid to pay with points.

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

If your card is at its limit, or your next purchase would take your card over its limit, you won't be able to pay with points. You can still use your hotpoints to pay something you have already bought, buy gift cards, donate to charity or contribute to a Westpac KiwiSaver Scheme account* - as those things don't use your credit card.

hotpoints Pay confirmation.

We’ll send a notification or a text message to confirm your hotpoints Pay purchase. If you don’t have the Westpac One app on your phone and you don't get a text, check or add your phone number in Westpac One digital banking.

Exchange rates.

When you use hotpoints to buy something in a foreign currency, we’ll calculate the points based on our exchange rate in NZ dollars.

  • The hotpoints amount is calculated on the day you make the purchase, so we’ll use the exchange rate on that day.
  • The currency conversion fee is charged separately, so hotpoints will only be used for your purchase amount.
  • Some countries don’t accept Mastercard, check the Westpac Credit Card Conditions of Use.

Tiers.

Each calendar month, you’ll earn hotpoints at a certain rate until the total amount of your eligible transactions reaches a certain dollar amount. When you pass that amount and enter the next tier, you’ll earn hotpoints at a different rate. 

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 - hotpoints Pay.

Things you should know.

  • *For more information on how to convert, please call us on 0800 861 862, from 8am to 6pm, weekdays. For more check the full Terms and Conditions.
    For more details on these and other features of the Westpac KiwiSaver Scheme, check the Product Disclosure Statement at westpac.co.nz/kiwisaver or you can request a copy by calling 0508 972 254 or from overseas +64 9 367 3317 (international toll charges apply). BT Funds Management (NZ) Limited is the issuer and manager, and Westpac New Zealand Limited is the distributor of the Westpac KiwiSaver Scheme. The information above is subject to changes to government policy and law, and changes to the Westpac KiwiSaver Scheme from time to time. Investments made in the Westpac KiwiSaver Scheme (Scheme) do not represent bank deposits or other liabilities of the Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac Group. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac Group, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital.
  • 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.
  • Some purchases and transactions don’t earn hotpoints:  fees, charges or interest, balance transfers, credit card repayment insurance, tax payments (including local council rates and ACC Levies),  gambling transactions (including online gambling), fines, cash withdrawals from your account and foreign currencies in cash, business-related purchases made with a Westpac hotpoints credit card other than a  Westpac BusinessPLUS Mastercard, and transactions on any nominated account(s) linked to your Westpac credit card. For full details check the applicable Credit Card Conditions of Use.  
  • You need at least $3 value of hotpoints® to use your hotpoints.
  • Only a hotpoints Mastercard (or linked Payment Instrument) can pay with points with 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® terms and conditions apply. Check the card Conditions of Use for further details.
  • 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.