Your card must be able to make a successful purchase first, before hotpoints Pay will work. If your purchase will take your card over its limit, your purchase will be declined and hotpoints Pay won't work.

While we want our customers to have the flexibility to use their hotpoints in a way that suits them, we are mindful of our obligations as a responsible lender and want to ensure a positive outcome. You can still redeem for other reward options, such as Gift Cards or merchandise, which don't require the use of your credit card.

Terms and exclusions apply. Only eligible purchases made with a hotpoints Mastercard can be used for hotpoints Pay. Credit Card Conditions of Use for the applicable card apply. Eligible purchases exclude gambling chips or gambling transactions (including online gambling), cash advances, interest charges, or transactions on any nominated account(s) linked to your credit card or account, or any other purchase that Westpac deems ineligible for hotpoints Pay.