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.


hotpoints calculator image - 2 people laughing

Check out our hotpoints calculator

Find out how many hotpoints you could earn by using a Westpac hotpoints credit card and see the rewards you could get with those points.

FAQs

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.

Anna

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.

Robert

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.

Linda

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.

Jeoffrey

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.

Rewards and reward vouchers are subject to availability and may be withdrawn or substituted at any time.

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.

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.