hotpoints Pay® gives you the freedom to use your hotpoints® in the way that's best for you. Now your hotpoints can pay for your groceries, utility bills, spontaneous nights out, wardrobe update, dinner, new furniture, mum's birthday present, your gym membership, subscriptions like Netflix, or even your morning coffee.

You can use hotpoints Pay for eligible purchases, wherever Mastercard® is accepted1, whether you're in store, overseas, or shopping online. You can see the full list of qualifying purchases here.

Things you should know.

1 Eligible purchases exclude gambling chips or gambling transactions (including online gambling), cash advances, interest charges, tax payments, 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. Only purchases made with a hotpoints Mastercard can be used for hotpoints Pay.