There is a minimum number of hotpoints you must earn before you are eligible to claim rewards or reward vouchers. Hotpoints terms and conditions apply. Reference to non-Westpac websites are provided for your convenience only. Westpac accepts no responsibility for the availability or content of such websites. hotpoints® is a registered trademark of Westpac Banking Corporation. Westpac's current credit card lending criteria apply to all applications and transfers. The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification. BT Funds Management (NZ) Limited is the scheme provider, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme. Investments made in the Westpac KiwiSaver Scheme (Scheme) do not represent bank deposits or other liabilities of Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac group of companies. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value, including principal invested. None of BT Funds Management (NZ) Limited (as manager), any member of the Westpac group of companies, The New Zealand Guardian Trust Company Limited (as trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital. A copy of the product disclosure statement for any securities for which such disclosure is required is available from any Westpac branch in New Zealand. Westpac New Zealand Limited.