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From 30th July 2026, merchandise will no longer be available in the hotpoints store. To find out more, click here. |
Our hotpoints® credit card earn rates have changed.
From 1 February 2023, our Westpac hotpoints® credit card earn rates have moved to a new tiered system.
Choose how you use your hotpoints
Apply for a hotpoints credit card today4
Apply for a hotpoints credit card and, once approved, you can access your digital card, add it to your digital wallet, and start earning points immediately.
Music Rewards
Unlock unforgettable music experiences with your Westpac Mastercard. Check out the range of Mastercard Presale and Preferred Tickets for upcoming events, and priceless experiences.3
What our customers are paying for with their points
Funding expensive hobbies
I used hotpoints pay for a Hardware store purchase of $70 as well as workshops for my floristry hobby. This is a reasonably expensive hobby, but because I had the stash of hotpoints, I was able to switch on hotpoints Pay and pay for my workshop.
Tracey - Hardware Store
Everyday groceries, petrol, and more!
We use hotpoints Pay for everyday expenses like groceries, petrol and other general things we’re buying week to week. I use it all the time and I absolutely love it!
Rebecca – Essentials
Upgrading seats on international flights
I used hotpoints pay to get a seat upgrade for an international flight, and I couldn’t believe how affordable and easy it was to secure the upgrade using my points. This was my first time using hotpoints Pay, and I didn’t expect it to be so simple.
Marion – Airline upgrade
Treating themselves to a new signature scent
I tried hotpoints Pay for the first time to buy perfume, and it was super easy. I just selected the option to apply my points to my next purchase, and it worked perfectly.
Shelley – Department Store
Celebrating special occasions with friends
I was hosting a dinner party and needed to buy some nice wines and cheeses. I initially planned to spend $300, but by using my Hotpoints Pay, I only ended up spending $150 of my own money after the points were applied. I use it for special occasions
Rebecca - Supermarket
Splashing out on a stylish new jacket
I used hotpoints Pay to buy a jacket. It was super easy – I just checked the box in Westpac One to use hotpoints Pay on my next purchase. It was great to see less owing from my balance at the end of the month. It’s a great way to use points.
Karl – Sportswear Store
Things you should know
hotpoints® terms and conditions apply.
1Only 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.
2For 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.
3Mastercard Presale tickets are available for all eligible Westpac Debit and Credit Mastercard customers. Excludes Business Prepaid Mastercard and Global Currency Cards. Mastercard Preferred tickets are available for eligible Westpac hotpoints credit cards.