hotpoints terms &
conditions

If you have a Westpac hotpoints credit card, these terms and conditions apply to you. The Credit Card Conditions of Use for the applicable card shall prevail if they conflict with these terms and conditions.

For general enquiries about hotpoints, hotpoints balance enquiries and enquiries about these terms and conditions, please call 0800 861 862 (Monday to Friday, 8am to 6pm).

If you need to write to us, our address is Westpac, Private Bag 92503, Victoria Street West, Auckland 1142, New Zealand.

Earning hotpoints.

Each account, once opened, will be automatically enrolled in the hotpoints programme, and hotpoints will be earned every time you, your joint cardholders or additional cardholders use a hotpoints credit card or any other payment instrument linked to the account for purchases or payments, other than for excluded transactions. These transactions are referred to in the remainder of these terms and conditions as ‘eligible spend’ or ‘eligible transactions’. Domestic and international spend (when converted into New Zealand dollars) attract the same earn rates.

In relation to the following Westpac hotpoints credit cards:

  • hotpoints Mastercard
  • hotpoints Platinum Mastercard:

Tiered earn rates

hotpoints will be earned at the tiered rates specified and published by us from time to time on our website at westpac.co.nz/hotpoints Tiers and earn rates are subject to change without notice.

As soon as the amount of eligible spend on an account per calendar month reaches the top of the initial tier, any eligible spend for the remainder of that month will earn hotpoints at the next tier’s earn rate. Should an eligible transaction take you into the next tier, that transaction will earn hotpoints based on the tier you are in immediately before the transaction clears and appears in your transaction list in Westpac One (i.e. the spend will not be split across the tiers).

In relation to a BusinessPLUS Mastercard, hotpoints will be earned at the rate specified and published by us from time to time on our website at westpac.co.nz/credit-cards/hotpoints. Earn rates are subject to change without notice. Excluded transactions – The following are not eligible transactions and will therefore not earn hotpoints:
(a) Fees, charges or interest
(b) Balance transfers
(c) Credit card repayment insurance
(d) Tax payments (including, for local council rates and ACC levies)
(e) Gambling chips or gambling transactions (including online gambling)
(f) Cash withdrawals from your account
(g) Money orders, travellers cheques and foreign currencies in cash
(h) Transactions on any nominated account(s) linked to your hotpoints credit card
(i) Transactions made with a hotpoints credit card other than on a BusinessPLUS Mastercard that Westpac believes, at its sole discretion, are for the purpose of business-related expenditure, and
(j) Transactions made in any period during which the earning of hotpoints is suspended by Westpac, (the ‘excluded transactions’) Westpac is unable to provide hotpoints for transactions by means other than on a hotpoints credit card or any other payment instrument linked to the account, as a result of the failure of any machine or system, or strike beyond the control of Westpac.

If you receive a refund, chargeback or reversal onto your hotpoints credit card (for example when you return goods, cancel paid bookings, or when an incorrect charge or payment is reversed), in relation to the month in which the refund, chargeback or reversal is made:
– your accumulated eligible spend for that month will reduce by that amount and may, in relation to a hotpoints Mastercard or a hotpoints Platinum Mastercard, result in a move down to a proceeding tier, and
– the corresponding hotpoints for that amount will be removed from the balance of hotpoints earned to date for the month in which the refund, chargeback or reversal is made ( – this may result in a negative balance of hotpoints earned for that month). In relation to a hotpoints Mastercard or a hotpoints Platinum Mastercard, the amount of hotpoints that will be removed will be equal to the amount of hotpoints relevant to the tier you are in at the time the refund, chargeback or reversal is made.
hotpoints earned will be automatically awarded to your account as soon as an eligible transaction has cleared and appears in your transaction list (available on Westpac One). Your hotpoints balance will be shown on your statement, which will be sent monthly to your last known address and/or available to download in Westpac One. You may also obtain details of your accumulated hotpoints by logging in to Westpac One or by phoning 0800 861 862, weekdays between 8am and 6pm. The value and rewarding of hotpoints will be determined by Westpac at its absolute discretion.

Expiration of hotpoints.

hotpoints earned on an account are valid for a term of 35 months from the date they are awarded and will expire at the end of the relevant calendar month. Please also refer to the Cancellation section below for a summary of what will happen to your hotpoints upon cancellation of your hotpoints credit card.

Redeeming your hotpoints.

  • You may redeem your hotpoints for the range of rewards available or for hotpoints Pay®. There is a minimum number of hotpoints that must be earned per account before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay
  • Only you or a joint cardholder may redeem hotpoints earned on your account.
  • To redeem hotpoints rewards or use hotpoints Pay, your account must not be suspended or in default
  • All rewards are subject to availability and may be withdrawn or substituted at any time
  • Once a reward has been issued, it cannot be returned and exchanged. However, a defective or damaged reward may be replaced or repaired as part of the supplier’s warranty process
  • Gift card rewards are issued subject to any conditions that may be imposed by a redemption outlet. Any applicable conditions will be shown on the gift card. Gift cards, both physical and digital, are like cash – they cannot be replaced if lost, damaged or stolen
  • The number of hotpoints required to obtain any reward may be varied at any time by Westpac without prior notice
  • We will not be responsible for the quality or suitability of any goods or services provided by any redemption outlet through the redemption of any gift card. Any complaints you have with the redemption outlet must be resolved by you
  • Westpac will deduct the appropriate number of hotpoints from the balance of hotpoints on your account when you request a reward or use hotpoints Pay
  • All merchandise and gift card rewards will be dispatched to the address you provide during the redemption process. Physical gift cards will be dispatched within seven working days, digital gift cards (eCards) will be dispatched within 1 hour and merchandise will be dispatched within 15 working days. Merchandise and physical gift cards will only be delivered to addresses within New Zealand
  • If you do not receive a reward you have requested, you must notify us within three months for a replacement to be issued
  • hotpoints earned on an account are valid for a term of 35 months from the date of issue. This means that if you want to redeem your hotpoints for a reward or use hotpoints Pay, you must do so within this period of time
  • You cannot sell or convert your hotpoints into cash. They can only be redeemed for rewards or used for hotpoints Pay
  • If a redemption outlet will not accept a valid physical or digital gift card, please call us on 0800 861 862, weekdays from 8am and 6pm
  • You may not cancel a reward redemption order for any reason, subject always to applicable law.

    • hotpoints Pay®.

  • hotpoints can be redeemed for hotpoints Pay to cover qualifying purchases that Westpac deems to fall within the categories of purchases listed below, up to 90 days from the date of the qualifying purchase
  • There is a minimum number of hotpoints required to use hotpoints Pay to cover qualifying purchases. Westpac may vary the list of qualifying purchases or the minimum number of hotpoints required to use hotpoints Pay, without prior notice. For full details please call us on 0800 861 862, weekdays between 8am and 6pm, or visit hotpoints.co.nz
  • Qualifying purchases must be made with a hotpoints credit card or any other payment instrument linked to the account
  • hotpoints Pay can be used to pay for the following types of qualifying purchases:
    – Food purchases including grocery stores, supermarkets, restaurants, cafes, bars and other food outlets
    – Travel, including airlines, hotels, motels, travel agents, online booking sites
    – Retail stores including clothing, furniture, furnishings and homewares, electronics, sporting goods, jewellery, automotive parts and accessories, department stores, beauty, hardware
    – Petrol and service stations and other fuel dealers
    – Other merchants where Mastercard is accepted, and
    – Other expenditure at Westpac’s discretion
  • You will not be able to use hotpoints Pay for any excluded transactions
  • hotpoints Pay is available for online redemptions at hotpoints.co.nz once you have logged in via Westpac One, for qualifying purchases you have already made, up to 90 days from the purchase date. You can also redeem for hotpoints Pay by calling hotpoints on 0800 861 862, Monday to Friday from 8am to 6pm
  • hotpoints Pay can only be used to cover purchases that we can, at our discretion, identify as being qualifying purchases. We may ascertain this by looking at your account. We may require additional proof of purchase in the form of an invoice or receipt or other document.
  • Westpac may refuse any request for redemption if we are not satisfied that a qualifying purchase has been made
  • Once hotpoints have been redeemed via hotpoints Pay, they cannot be reversed. If you return a purchase that you paid for using hotpoints Pay, you will receive a refund in your account and the hotpoints you earned will be reversed
  • hotpoints Pay redemptions do not count towards your minimum payment requirements on your account. You are still required to comply with the monthly minimum payment obligations as provided in the Credit Card Conditions of Use.

    Important: The Credit Card Conditions of Use apply. You will remain responsible for all credit card payments as they fall due. Converting hotpoints into Westpac KiwiSaver Scheme contributions.

  • You can only convert hotpoints and apply those as a contribution to a Westpac KiwiSaver Scheme account. You cannot apply hotpoints to any other KiwiSaver Scheme
  • hotpoints applied as a contribution to a Westpac KiwiSaver Scheme account will be invested in accordance with the investment election that applies to the applicable Westpac KiwiSaver Scheme account
  • There is a minimum amount of hotpoints required before you are able to convert them into a contribution to a Westpac KiwiSaver Scheme account which Westpac may vary without prior notice. For full details please call us or visit hotpoints.co.nz
  • You can convert your hotpoints and apply those as a contribution to another person’s Westpac KiwiSaver Scheme account. Please note that those contributing to another person’s Westpac KiwiSaver Scheme account may face certain tax issues, including fringe benefit tax and/or gift duty. Any such tax issues are solely the contributor’s responsibility and we recommend you consult your tax advisor before making any contribution to another person’s Westpac KiwiSaver Scheme account. Westpac makes no representation about a contributor’s tax liability as a result of them converting, and applying as a contribution, any hotpoints to another person’s Westpac KiwiSaver Scheme account through this programme
  • Once hotpoints have been converted, the conversion cannot be reversed
  • Contributions to the Westpac KiwiSaver Scheme are subject to the terms of the Westpac KiwiSaver Scheme
  • The balance of hotpoints on your account will reflect your conversion on the day you request the conversion
  • Where you request hotpoints to be converted and applied as a contribution to a Westpac KiwiSaver Scheme account that contribution will be made within 30 days
  • Details on the Westpac KiwiSaver Scheme are set out in the Product Disclosure Statement available from any Westpac Branch, online at westpac.co.nz or you can request a copy by calling 0508 WPAC KIWI (0508 972 254)
  • BT Funds Management (NZ) Limited (BTNZ) is the scheme provider, and Westpac New Zealand Limited (WNZL) is the distributor of the Westpac KiwiSaver Scheme (Scheme). Investments made in the Scheme do not represent bank deposits or other liabilities of the Westpac Banking Corporation ABN 33 007 457 141, WNZL or other members of the Westpac Group, 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 BTNZ (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 Westpac KiwiSaver Scheme’s performance, returns or repayment of capital
  • The information above is subject to changes to government policy and law, and changes to the Westpac KiwiSaver Scheme from time to time

    Points + Pay.

    Points + Pay is only available when a Westpac credit or debit card or other payment instrument linked to your Westpac credit or debit card is used and allows you to obtain rewards quicker by using a combination of hotpoints and paying on your Westpac credit or debit card, or for some items by using just your Westpac credit or debit card to pay for the reward in full.

  • When you use your hotpoints credit card or other payment instrument linked to your account to pay for all or part of a selected reward, you’ll also earn hotpoints at your standard earn rate for every dollar spent
  • If you use a Westpac credit card that is not a hotpoints credit card or a Westpac debit card, you will not earn hotpoints on the pay portion
  • Points + Pay option is available only on selected rewards from time to time
  • Points + Pay is available for phone redemptions or online redemptions at hotpoints.co.nz once you have logged in via Westpac One
  • Once a reward has been issued, it cannot be returned and exchanged because you have changed your mind. However, a defective or damaged reward may be replaced or repaired under the supplier’s warranty process
  • If you return a damaged or defective item you redeemed through Points + Pay, and it is unable to be replaced or repaired under warranty, or exchanged for another reward of equal value, the hotpoints earned for the original pay portion, including any bonus hotpoints, will be reversed. Any payment amount on your Westpac credit or debit card will also be reversed.

    Joint cardholders.

    If you and a joint cardholder each hold a card on the same account, you are both bound by these terms and conditions. We will accept instructions relating to hotpoints from either joint cardholder.

    Additional cards.

    Additional cards on your account are subject to these terms and conditions.

    Charges.

    Charges are subject to change.

    Cancellation.

    Cardholder request.

    You may cancel your hotpoints credit card(s) at any time pursuant to the ‘Cancellation’ section of the Credit Card Conditions of Use.

  • If a hotpoints credit card held by you or a joint cardholder is cancelled, all cards and other payment instruments that are linked to your account will be blocked from accessing the account and cancelled and no hotpoints will be able to be earned on your account from the time of cancellation
  • Your hotpoints membership will not however be cancelled until closure of your account and any hotpoints earned on your account can continue to be redeemed within 90 days of closure. Any hotpoints remaining after this date will expire. You will only be able to redeem your remaining hotpoints by calling 0800 861 862 weekdays between 8am and 6pm.
  • Once your account is closed, you will once again need to phone 0800 861 862, weekdays between 8am and 6pm to obtain details of your accumulated hotpoints.

    Cancellation by Westpac.

    If you fail to comply with these terms and conditions and/or the Credit Card Conditions of Use, operate your hotpoints credit card fraudulently, or otherwise abuse the accumulation or redemption of points within the programme, we may cancel or freeze your hotpoints credit card at any time without prior notice. If this occurs:

  • hotpoints previously earned and awarded on your account will not be able to be redeemed while your hotpoints credit card is frozen or after it is cancelled. The Credit Card Conditions of Use apply, and
  • Where your hotpoints credit card(s) are cancelled by Westpac, your enrolment in the hotpoints programme will be automatically cancelled.

    Disputes.

    If you dispute any matter relating to earning or redeeming hotpoints (including your hotpoints balance) please notify us in writing within three months of the date of your hotpoints credit card statement to which the dispute relates. Please give us full details of your dispute and attach (where appropriate) any supporting documentation. We will investigate the matter and advise you of the outcome of the investigation within 30 days of receiving your complaint. Should the investigation not be completed within 30 days you will be advised of the likely delay and the reason for that delay. Where it is established that an error did occur (regardless of whether it was to do with the original dispute) it will be corrected, and you will be advised of any appropriate adjustments which will be made to your hotpoints balance. If you dispute the quality or suitability of any goods or services provided by any redemption outlet through the redemption of any reward voucher, you must resolve your complaint directly with the redemption outlet.

    Variation of hotpoints terms & conditions.

    We reserve the right to vary these terms and conditions at any time in accordance with the variation section in the Credit Card Conditions of Use.

    Termination of hotpoints.

    Westpac may discontinue hotpoints at any time without prior notice. If this happens you will have three months in which to redeem any unused hotpoints for rewards. If hotpoints is terminated, any unused hotpoints will not be exchanged for cash.

    Definitions – hotpoints Terms and
    Conditions.

    account – means your hotpoints credit card account.

    cardholder – means the person we issue with a card or Westpac PayTag. This includes, unless the context states otherwise, joint cardholders and additional cardholders.

    Credit Card Conditions of Use – means the Conditions of Use, as amended from time to time, applying to the use of your hotpoints credit card.

    eligible spend or eligible transactions – means purchases or payments undertaken on a hotpoints credit card, other than excluded transactions and eligible transaction shall have a corresponding meaning.

    excluded transactions – means those purchases and payments which are not eligible transactions, as set out under the section ‘Earning hotpoints’.

    hotpoints – means, depending on the context:

  • the scheme owned and operated by Westpac through which participants are rewarded for the use of their hotpoints credit card(s) in accordance with these terms and conditions, or
  • points accrued through the use of a hotpoints credit card in accordance with these terms and conditions.

    hotpoints credit card or card – means the hotpoints Mastercard, the hotpoints Platinum Mastercard or the BusinessPLUS Mastercard issued to you or any other card holder on your account and includes, unless the context states otherwise, any joint/additional card(s) issued on the account.

    nominated account – means a Westpac transaction or savings account which is linked to your card and from which EFT transactions may be made using your card.

    payment instrument – means any instrument or device (such as a card, mobile phone, computer or Westpac PayTag) that Westpac allows you to use to access your account.

    redemption outlet – means an organisation named in any hotpoints communication where, subject to any applicable conditions, reward vouchers may be redeemed for goods or services.

    reward – means reward vouchers and reward items as advised from time to time in hotpoints communications, which are obtained by redeeming hotpoints. Vouchers may be exchanged for full or part payment of purchases made at redemption outlets. Each voucher can be used only at the redemption outlet specified on the voucher.

    travel provider – means any travel service provider named on the hotpoints website or any hotpoints communication.

    we, us, our, bank or Westpac – means Westpac New Zealand Limited and its successors and assigns.

    you or your – means the participant in hotpoints. This includes unless the context states otherwise, joint cardholders and additional cardholders.

    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.

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