What purchases on my credit card can't I use hotpoints Pay® for?

hotpoints Pay® can be used anywhere Mastercard® is accepted¹, either instore or online.

Some transaction types are excluded from earning hotpoints® and hotpoints Pay redemptions, such as cash advances, gambling transactions, balance transfers, fees, charges, interest charges, tax payments, fines and money transfers.

Things you should know.

¹hotpoints 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.

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.