All about hotpoints® Credit Card Rewards

Like to be rewarded? You’ll enjoy our hotpoints® Rewards Programme. Every dollar spent on a hotpoints Credit Card earns you hotpoints. These points can then be redeemed for a vast range of rewards, from merchandise to travel and more.



All about hotpoints® Credit Card Rewards

Or give us a call on

0800 888 111

Here’s why you’ll find hotpoints rewarding:

The most travel choices

No other rewards programme provides more ways to use your points for travel, with Holiday Credits. Use your hotpoints to pay back travel purchases on any airline; or simply part of your trip costs. The most travel choices

A big range of merchandise

Redeem your points for all sorts of products from DVDs and books, to home appliances and tech-gadgets.

A variety of vouchers

For greater choice, you can also redeem your points for vouchers from hundreds of New Zealand’s leading retailers. (And some overseas ones too.)

Retirement contributions

hotpoints can be converted into contributions towards an existing Westpac KiwiSaver Scheme account – either for your own account or someone else's. This is subject to the Westpac KiwiSaver Scheme contribution terms and conditions.

The chance to donate

If you’re feeling generous you can donate your hotpoints to charity, or pass them on to your friends and family.


First, check your balance.

If you’re already a hotpoints Credit Card holder, you may already have enough points for a reward!

To check your hotpoints balance go to online banking and login then click the 'view/redeem hotpoints' link under your credit card details. You can also check the front page of your monthly credit card statement.

Or call us and we can tell you.

Phone 0800 861 862
(8.30am to 5pm, Monday to Friday)

From overseas call +64 9 524 1190
(international toll charges apply)

Ultimate cardholders call 0800 888 788
(8.30am – 5.00pm, Monday – Friday) and press option 2.

Next, choose your rewards

There are literally thousands of hotpoints Rewards on offer on the hotpoints website.

Once you know how many hotpoints you have – you can go shopping. 

Check out to see how you could reward yourself.





  • with a hotpoints Credit Card, you’ll earn points on every dollar you spend

  • hotpoints are valid for three years, unless the credit card is cancelled

Which cards earn points?

Our hotpoints Credit Cards:                      

  • use your hotpoints MasterCard card to earn 1 hotpoint per $1 spent on purchases, and enjoy the convenience of acceptance at over 35 million locations worldwide

Our Platinum MasterCard: 

  • use your hotpoints Platinum MasterCard to earn 2 hotpoints per $1 spent on purchases, and enjoy the convenience of acceptance at over 35 million locations worldwide

hotpoints® are available only with the Westpac hotpoints MasterCard or Platinum MasterCard. Vouchers and products are subject to availability and may be withdrawn or substituted at anytime. There is a minimum number of hotpoints you must earn before you are eligible to claim rewards or reward vouchers. hotpoints® is a registered trademark of Westpac Banking Corporation. Hotpoints Holiday Credits terms and conditions apply. Hotpoints terms and conditions apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.