hotpoints Pay, our market leading way to give you the freedom to use your hotpoints® on what you want, anywhere Mastercard® is accepted*. From pick-me-up treats to power bills or products from a local business, you can use your hotpoints for purchases at millions of local, international and online retailers.

Plus, on top of being able to redeem your hotpoints on new purchases, you'll even be able to use them to redeem on past purchases you've made using your hotpoints credit card.

* Terms and exclusions apply. 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 eligible purchases made with a hotpoints Mastercard® can be used for hotpoints Pay. See the applicable Credit Card Conditions of Use for details.

Hotpoints terms and conditions apply. Certain purchases and transactions are not eligible to earn hotpoints. The amount of eligible spend that can earn hotpoints is capped at $60,000 a month. Any spend over $60,000 on eligible purchases in each relevant month will not earn hotpoints.  See the applicable Credit Card Conditions of Use for details.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.