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 conditions apply. Only qualifying purchases made with a hotpoints Mastercard can be used for hotpoints Pay which will not include any excluded transactions (as defined below).  In addition, there is a minimum number of hotpoints that must be earned before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay. See the applicable Credit Card Conditions of Use for details.

Certain purchases and transactions do not earn hotpoints (see the applicable Credit Card Conditions of Use for full details), including: fees, charges or interest, balance transfers, credit card repayment insurance, 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”).

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.