What is hotpoints Pay?

hotpoints Pay gives you the
freedom to use your hotpoints on
purchases at local, international,
and online retailers, anywhere
Mastercard® is accepted*.

With hotpoints Pay, you can use
your hotpoints for your next
purchase, or use them for a
purchase you’ve already made.

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

How does hotpoints Pay work?

To turn on hotpoints Pay for your next purchase, follow the steps below:

  1. Log into Westpac One® online banking.
  2. Select 'hotpoints' under your accounts.
  3. Turn on hotpoints Pay for your next purchase.
  4. Your points will be used next time you make a purchase with your hotpoints Mastercard.

Your account will be credited with the transaction amount within two business days. 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. Make sure your mobile number is up-to-date to receive these notifications.

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.

You can also call us on 0800 861 862, weekdays between 8am and 6pm, and we can turn on hotpoints Pay for you.


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 transactions, wherever Mastercard is accepted, whether you’re in store, overseas, or shopping online. See the hotpoints terms and conditions for further details.

  1. Log into Westpac One® online banking.
  2. Select ‘hotpoints’ under your accounts.
  3. Select ‘Visit the hotpoints website for more ways to redeem hotpoints’.
  4. When you land on the hotpoints website, click on the hotpoints Pay tile.
  5. This will direct you to the hotpoints Pay page where you can click ‘Use hotpoints Pay for past purchases’.
  6. Select your card and date range and then search your transactions for the purchase you would like to redeem your points on.
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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.

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 eligible 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.

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.

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.

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.