Your points, your way

    It's easy to earn rewards with Westpac's hotpoints®. Simply use your Westpac hotpoints credit card as often as you can - you’ll earn hotpoints on every dollar you spend on your credit card, which can be redeemed for a wide range of rewards, including travel, gift cards and e-Vouchers, merchandise and charity donations. You can also convert into contributions towards a Westpac KiwiSaver Scheme account. With hotpoints the choice is yours!


    • Are quick and easy to earn - use your card for your everyday spend as well as those big ticket items.
    • Are ready to redeem when you are - with a great range of rewards you choose how you'd like to be rewarded.
    • Have no membership fee – membership is covered by your annual or six monthly credit card account fee.

    Not yet a Westpac Credit Card customer? Hotpoints membership is automatically included when you get a Westpac hotpoints credit card.

    How many hotpoints can I earn?

    Card type Earn rate
    hotpoints Mastercard $1 = 1 hotpoint
    Platinum Mastercard $1 = 2 hotpoints
    World Mastercard $1 = 3 hotpoints
    BusinessPLUS Mastercard $1 = 1.25 hotpoints

    Go shopping!

    Ready to go shopping with your hotpoints? All you need is a minimum of 3,600 points to get started with a gift card reward.

    hotpoints you redeem RETAIL GIFT CARD/E-VOUCHER
    3,600 $20
    9,000 $50
    18,000 $100
    hotpoints you redeem TRAVEL/FUEL GIFT CARD
    10,000 $50
    20,000 $100

    Points + Pay

    If you don’t have enough hotpoints to reward yourself Points + Pay* makes it easier online to get the merchandise or gift card rewards you want sooner.

    Points + Pay is really easy to use - if you’ve had your eye on a flash coffee maker for example but you haven’t got enough hotpoints to snap it up, you can top up using your Westpac hotpoints credit card. Alternatively, you can use your Westpac hotpoints credit card to pay for the reward in full, so you can save your hotpoints for another reward.

    You’ll earn up to 10 bonus hotpoints for every dollar you spend with Points + Pay on selected merchandise rewards! That’s in addition to the hotpoints you already earn on your card. Make sure you look out for the bonus hotpoints offers - whether you’re paying for some or all of a reward with Points + Pay, you’ll be growing your hotpoints balance even faster!

    * Points + Pay is only available for online redemptions at once you have logged in from Westpac Online Banking.

    You can reward yourself with:

    Gift Cards

    Choose reward gift cards from a huge range of places from Caltex to Noel Leeming, Bunnings to Farmers, Mitre 10 to Whitcoulls, EVENT or Hoyts Cinemas to Repco.
    View Gift Cards >


    When you redeem your hotpoints online for an e-Voucher, you’re ready to start shopping. There’s no waiting for the postie to deliver your vouchers in the mail. First you’ll receive a confirmation email, to say your redemption is being processed. Within minutes you’ll receive a second email containing your e-Vouchers, which you can use to go shopping instantly, either online or in store (where applicable). Make the most of any last minute sales, or pick up a present on the way to the party! Quick, easy and flexible. You can also access them from the My Account page when you log in to hotpoints from Westpac One® online banking.
    View e-Vouchers >


    Redeem your hotpoints for a large range of merchandise, including home ware and home appliances, health and beauty, magazines and the latest tech-gadgets. The range of merchandise changes often so make sure you check back regularly to see what you can get with your hotpoints.
    View Merchandise >


    Get a dollar credit back for all sorts of qualifying spending you’ve made on your hotpoints credit card in the last 3 months - from stocking up the pantry to filling the petrol tank or even paying off your annual credit card fee1. You only need 2,220 hotpoints to get started, which will give you a $10 credit# back to your account, and you can redeem any amount you choose over that.
    Find out more >

    1 Applies to annual credit card fee charges and joint or additional card fees charged to your account after 1 August 2017.
    # SpendBack redemptions do not count towards your minimum payment requirements on your credit card, so you’ll still have to make at least the minimum monthly payment onto your credit card account in the month that you redeem for SpendBack.

    Pick Up In Store

    Get your reward quicker. If you can’t wait for your reward to be delivered, you can choose to pick up certain merchandise rewards from a Noel Leeming store. Simply redeem a reward from the “Pick Up In Store“ section on the hotpoints website, and select the “Pick Up In Store“ option during the checkout process when you’re redeeming online. You will then receive an email containing a barcode that you can present at any Noel Leeming store (excluding clearance stores) straight away to collect your reward. You can also access them from the My Account page when you log in to hotpoints from Westpac One® online banking.
    View Pick Up In Store rewards >

    Travel Rewards

    Whether its flights, accommodation or car rental, hotpoints offers some fantastic travel rewards to help get you to your next holiday destination. Travel on any airline, anywhere, anytime, or use hotpoints to book hotel accommodation, cruises or rental cars, pay for airline taxes and more.

    With hotpoints you can Pay Using Points at Flight Centre, redeem your hotpoints for travel gift cards or convert them into hotpoints Holiday Credits.
    Find out more >


    You can convert your hotpoints into contributions towards an existing Westpac KiwiSaver Scheme account, so whether you’re adding to your own savings or to someone else’s, hotpoints is making saving for retirement a little easier.
    Find out more >

    Donations and Gifting

    Your hotpoints can be donated to charity, or gifted to family and friends.
    Find out more >

    Redeeming your hotpoints

    First, check your balance

    Log in to Westpac Online Banking to get your balance updated daily. You can also find your balance on the front page of your monthly credit card statement.

    Next, choose your rewards

    When you're ready to redeem your hotpoints the easiest way is to log into Westpac Online Banking and click on the ‘view/redeem hotpoints’ link to go through to the hotpoints website to complete your order. Alternatively you can call hotpoints on 0800 861 862 (Monday to Friday, 8.30am - 5.00pm).

    Converting your hotpoints to Hotpoints Holiday Credits is just as easy...

    • Just complete the form online or call 0800 861 862 (Monday to Friday, 8:30am - 5:00pm) with the name, date and amount of your qualifying travel purchase. This redemption must be made within three months of the purchase date you wish to redeem for.
    • All you need to start redeeming is 2,220 hotpoints, which equals $10 of Holiday Credits. You can redeem any amount of hotpoints over 2,220 and we’ll calculate the dollar and cents value to credit your hotpoints credit card account.