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.