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    hotpoints® SpendBack®

    Use your hotpoints® on some of the
    things you do every day.

    1

    Pay for your groceries, fuel or dining on your Westpac hotpoints credit card.

    2

    Log into hotpoints from Westpac One, check your hotpoints balance and head to the SpendBack section.

    3

    Take your pick from a list of qualifying purchases that you can redeem with SpendBack.

    4

    Select and redeem your SpendBack purchases online.

    5

    You'll see your SpendBack purchases back in your account within 5 business days.

    Simply choose from a list of qualifying transactions you've made on your hotpoints credit card in the last 3 months, and use your hotpoints for a statement credit* to help pay for it instead.

    All you need to get started is 2,220 hotpoints, which will give you a $10 credit* back onto your account.

    * The statement credit will not contribute to your minimum monthly payment nor necessarily pay off in full the specific purchase you select. The statement credit will be applied to your card account in accordance with your card's Conditions of Use.

    Take your pick

    Choose from a list of qualifying purchases, including:

    1. Groceries

    2. Fuel

    3. Restaurant/cafe dining

    4. Annual credit card fee charges and joint or additional card fees

    See the full list of qualifying purchases >

    1. Log into hotpoints® from Westpac One®.

    2. Click the Make a hotpoints SpendBack link below. Your qualifying purchases for the past three months will be listed.

    3. Simply tick the purchases you wish to redeem hotpoints for. The total dollar amount to be credited and the equivalent hotpoints amount will automatically update. If you wish to use less hotpoints, you can change the hotpoints amount you wish to redeem, which will change the dollar amount credited to you.

    4. Provide your mobile number and email address in case we need to contact you about your SpendBack redemption.

    5. When you are ready click Request SpendBack. A confirmation message will display on screen and your request will be processed within five business days.

    See Common Questions about hotpoints SpendBack.

    hotpoints® SpendBack® can be used to pay for the following types of qualifying purchases:

    1. Grocery stores and supermarkets

    2. Specialty food and alcohol stores

    3. Restaurants, cafes and bakeries

    4. Fast food outlets

    5. Bars, pubs and nightclubs

    6. Food vending machines

    7. Petrol and service stations and other fuel dealers

    8. Annual credit card fee charges and joint or additional card fees (charged to your account from 1 August 2017)

    9. Other expenditure at Westpac's discretion.

    You must be logged in to redeem your hotpoints for SpendBack - please log in to hotpoints® from your Westpac One® online banking.

    hotpoints SpendBack® Terms & Conditions

    hotpoints can be redeemed for hotpoints SpendBack® to cover part or all of qualifying food and fuel purchases, and (from August 2017) credit card annual fee charges, that Westpac deems to fall within the categories of purchases listed below, up to three months from the date of the qualifying purchase.

    Qualifying purchases must be made with a Westpac hotpoints credit card or any other payment instrument linked to the hotpoints credit card account.

    There is a minimum number of hotpoints required to redeem for hotpoints SpendBack® to cover qualifying purchases and Westpac may vary the list of qualifying purchases or the minimum number of hotpoints required to redeem for hotpoints SpendBack®, without prior notice. For full details please call us on 0800 861 862, Monday to Friday between 8.30am and 5pm, or visit hotpoints.co.nz.

    hotpoints SpendBack® can be used to pay for the following types of qualifying purchases:

    1. Grocery stores and supermarkets

    2. Specialty food and alcohol stores

    3. Restaurants, cafes and bakeries

    4. Fast food outlets

    5. Bars, pubs and nightclubs

    6. Food vending machines

    7. Petrol and service stations and other fuel dealers

    8. Annual credit card fee charges and joint or additional card fees (charged to your account from 1 August 2017)

    9. Other expenditure at Westpac’s discretion.

    hotpoints SpendBack® is available for online redemptions only at hotpoints.co.nz once you have logged in via Westpac Online Banking.

    hotpoints SpendBack® 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 hotpoints credit card 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 converted to hotpoints SpendBack®, the conversion cannot be reversed.

    SpendBack® redemptions do not count towards your minimum payment requirements on your credit card account. You are still required to comply with the monthly minimum payment obligations as provided in the Credit Card Conditions of Use

    Important: Westpac Credit Card Conditions of Use apply. You will remain responsible for all credit card payments as they fall due.
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