About hotpoints®

What is hotpoints?

Hotpoints is Westpac's rewards programme, where you can earn hotpoints for purchases you make on a hotpoints credit card.

You can use hotpoints in a number of ways, including hotpoints Pay®, rewards from the hotpoints store, gift cards, Chopper donations and Westpac KiwiSaver Fund contributions.**

What are the benefits?

  • Earn hotpoints anywhere Mastercard® is accepted.*
  • Use your hotpoints Pay for past purchases.
  • Use your hotpoints Pay to pay for purchases anywhere Mastercard® is accepted.*
  • Pay with a combination of hotpoints and cash with Points+Pay.1
Happy man with dog image

Apply for a hotpoints Credit Card today2

Apply for a Westpac hotpoints credit card and you could earn your hotpoints to redeem in various ways.


To use hotpoints Pay, simply login to Westpac One online banking and head to the hotpoints Pay page. This is where you can turn on hotpoints Pay for your next purchase. The next time you buy something with your hotpoints Mastercard your hotpoints will be used and a credit for that dollar amount will appear on your account within two business days.

If we have your mobile number, we’ll send you a text message to let you know your redemption was successful.

Please note, you'll need at least 667 hotpoints to use hotpoints Pay, which equals $3.

Hotpoints Pay gives you the freedom to use your hotpoints in the way that’s best for you. You can use your hotpoints to pay for your morning coffee, groceries, bills, spontaneous nights out, new furniture, birthday presents, or even your next holiday!

You can use hotpoints Pay for eligible purchases, wherever Mastercard is accepted, whether you’re in store, overseas, or shopping online.

  • Login to Westpac One online banking and open your account page.
  • Scroll down and select the hotpoints section.
  • Once you’re on the redeem page, select redeem your hotpoints now.
  • From here you’ll be taken to the hotpoints homepage, where you can then select hotpoints Pay from the menu bar.
  • You’ll then be directed to the hotpoints Pay page where you’ll need to scroll down to select enable hotpoints Pay.
  • Next, you’ll be able to see what your hotpoints are worth in dollars.
  • Select the card you’d like to use for your purchase from the dropdown menu. The turn on hotpoints Pay button will be highlighted with a border ready for you to click.
  • Click the button to turn on hotpoints Pay for your next transaction. You’ll know hotpoints Pay is turned on when you see the turn on button change and it can no longer be selected.
  • Then use your selected card to complete your purchase as you normally would. Your card will be charged with the dollar value of your purchase and your hotpoints will be used right away.
  • Your card will be credited with the transaction amount up to 48 hours later. Plus, you’ll even earn hotpoints on the purchase.

If we have your mobile number, you’ll receive a text message confirming you’ve successfully used hotpoints Pay. After your transaction has gone through, hotpoints Pay will automatically turn off. To use hotpoints for another purchase simply start over and turn on hotpoints Pay again.

  • Log in to Westpac One online banking and open your account page.
  • Scroll down and select the hotpoints section.
  • Once you’re on the redeem page select redeem your hotpoints now to continue.
  • From here you’ll be taken to the hotpoints homepage, where you can then select hotpoints Pay from the menu bar.
  • You’ll then be directed to the hotpoints Pay page, scroll down to select Redeem hotpoints. This will take you to the transaction page where you can fill in the dropdown boxes and then search your transactions.
  • A list of eligible transactions will appear. Scroll through them until you find the transaction you want to use your hotpoints on, then select the Redeem button.
  • Read and accept the terms and conditions to continue.

If we have your email address, we’ll send you a confirmation email. To use your hotpoints for another past purchase, simply go back to your transaction list and choose another transaction.

Log into Westpac One®, and head to the hotpoints Pay page. Here you'll be able to turn on hotpoints Pay for your next purchase. Once it’s turned on, you'll be able to turn it off if you change your mind before your next purchase. After a successful hotpoints Pay redemption, it will automatically turn off – so if you want to make another hotpoints Pay redemption you’ll have to turn it back on.. Once you have redeemed, the dollar amount of your purchase will be credited to your hotpoints credit card account within 2 business days. You can also call us on 0800 861 862, weekdays between 8am and 6pm, and we can turn on hotpoints Pay for you.

You can also use hotpoints Pay to pay off purchases you have already made, if you have enough hotpoints to cover that purchase in full.

See more FAQs

What our customers say.

Paid for some dentistry work using hotpoints pay

Hotpoints Pay is easy because you can just enable it, pay with your hotpoints credit card and it comes off your hotpoints balance straight away. It’s easy to enable and easy to use on everyday things.


Bought a new laptop using hotpoints pay

I used a large chunk of points to cover most of the cost of the laptop, then paid for the rest with my own money. I found the process was easy to navigate, intuitive and quick.


Booked a trip to Fiji using hotpoints pay

I used my hotpoints to reduce the cost of a trip to Fiji and found it very straight forward. Its great that you don’t have to wait for vouchers to arrive or anything like that, it’s so easy to use. I liked the instant confirmation you get to your phone confirming hotpoints Pay has been enabled. I would highly recommend hotpoints pay to other customers.


Bought his wife a gift using hotpoints pay

If you use your card for everything, pretty much like we do, it adds up. So, it was nice that those points have been saved up from all the transactions throughout the year and I could use them for something out of the ordinary.

You can literally be in the queue to pay for something, and then you remember that you can use your points. You can just jump online through to the hotpoints site and select hotpoints Pay enable… it’s that easy.


Things you should know

*Hotpoints terms and conditions apply. Only qualifying purchases (which, for the avoidance of doubt, do not include any purchases or transactions which are excluded transactions) made with a hotpoints Mastercard can be used for hotpoints Pay. In addition, there is a minimum number of hotpoints that must be earned before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay. See the applicable Credit Card Conditions of Use for full details.

**For more information on how to convert, please call us on 0800 861 862, from 8am to 6pm, weekdays. For full Terms and Conditions please click here. For more details on these and other features of the Westpac KiwiSaver Scheme, refer to the Product Disclosure Statement online at westpac.co.nz/kiwisaver or you can request a copy by calling 0508 972 254 or from overseas +64 9 367 3317 (international toll charges apply). 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 the Westpac Banking Corporation ABN 33 007 457 141, Westpac New Zealand Limited or other members of the Westpac Group. 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, The New Zealand Guardian Trust Company Limited (as supervisor) or any director or nominee of any of those entities, or any other person guarantees the Scheme's performance, returns or repayment of capital.

1Points + Pay option is available on selected voucher and products redeemed online at the hotpoints store, once you have logged in from Westpac One. Only Westpac hotpoints credit and debit cards can be used for the pay portion. Points + Pay terms and conditions apply.

2Lending criteria, terms and conditions apply. Conditions of Use for the applicable card apply.

If you only make the minimum payment each month, you will pay more interest and it will take you longer to pay off the unpaid balance.

Certain purchases and transactions do not earn hotpoints (see the applicable Credit Card Conditions of Use for full details) including: fees, charges or interest, balance transfers, tax payments (including local council rates and ACC Levies), gambling chips or gambling transactions (including online gambling), cash withdrawals from your account, money orders, travellers cheques and foreign currencies in cash, business-related purchases made with a hotpoints Mastercard other than a Westpac BusinessPLUS Mastercard and transactions on any nominated account(s) linked to your hotpoints Mastercard (the ‘excluded transactions’).

Hotpoints will be earned at the rates specified and published by us from time to time on our website at westpac.co.nz/hotpoints. Hotpoints earn rates and tiers, as applicable are subject to change. Reference to non-Westpac websites are provided for your convenience only. Westpac accepts no responsibility for the availability or content of such websites.

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.

Westpac is not the supplier of the goods and services that can be redeemed with hotpoints and does not guarantee the obligations of the supplier or any goods and services supplied. Any goods or services that are provided by a third party supplier may be withdrawn at any time.

Terms and conditions

Eligibility criteria, lending criteria, terms and conditions apply. See:

  1. Hotpoints terms and conditions
  2. Conditions of Use for the applicable card
  3. Transaction and Service Fees brochure

View terms and conditions for all our credit card products.