hotpoints Pay can be used anywhere Mastercard® is accepted*, 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. Only eligible purchases* made with a hotpoints Mastercard can be used for hotpoints Pay.

hotpoints terms and conditions apply.

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. There is a minimum number of hotpoints you must earn 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.

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.