hotpoints Pay® is the most flexible way to redeem 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. Just log into Westpac One via the app or desktop, select ‘hotpoints’ on the 'accounts' screen and select the toggle next to ‘Turn on hotpoints Pay to use hotpoints for your next purchase’, and the next time you use your hotpoints® Mastercard®, your points will be used.

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

*hotpoints Pay® terms apply.

You need at least 667 hotpoints® to use hotpoints Pay, which equals $3.

Only a hotpoints Mastercard (or linked Payment Instrument) can be used for 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.

See the Conditions of Use for your card for further 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, 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.