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Pay with Points.
Pay with points, anytime, anywhere. When you use your hotpoints Mastercard®, you'll earn points that can be turned into something everyday or something special*.
Welcome to hotpoints.
Use your hotpoints Mastercard for your everyday spending, and your points will add up - and then you can use them to pay for anything you buy with your card*.
What does Pay with Points mean?
Just turn on hotpoints Pay® in the Westpac One® app and your hotpoints will automatically go towards your next purchase with your hotpoints® Mastercard**. It feels like free when you pay with points – and you can even use points on purchases you’ve already made.
What can I use Pay with Points for?
How do I Pay with Points?
1. Log in to Westpac One® digital banking
2. Select "Rewards & hotpoints" under your accounts
3. Turn on "Pay with points"
4. Your points will be used the next time you make a purchase with your hotpoints Mastercard. The dollar amount of your purchase will be credited back to your account within two business days.
After you’ve made your next purchase and your hotpoints have been redeemed, the switch will automatically turn off. If you change your mind, you can turn it off before you make your next purchase with your hotpoints credit card.
You’ll earn hotpoints on the purchase at the same time as you pay with points because you’re using your hotpoints Mastercard®.
If you turn on hotpoints Pay for your next purchase, but you don't have enough points to pay the full amount, your whole hotpoints balance will be used, and you'll receive the dollar credit for that partial amount of your purchase.
We’ll send a notification or a text message to confirm your hotpoints Pay purchase. If you don’t have the Westpac One app on your phone and you don't get a text, check or add your phone number in Westpac One digital banking.
How do I Pay with Points for purchases I've already made?
1. Log into Westpac One digital banking
2. Select "Rewards & hotpoints" under your accounts
3. Select "Use points for past purchases", or the "Redeem" tab at the top
4. Select the transaction you want to use points for
5. Select "Next" and then "Redeem"
6. Your points will be redeemed and the hotpoints Pay credit will come back into your account within 2 business days.
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.
FAQs.
More questions on hotpoints Pay or credit cards? Get extra help & support.
Things you should know.
*Certain purchases and transactions are not eligible to earn hotpoints. See the applicable Credit Card Conditions of Use for full details.
**Hotpoints terms and conditions apply. hotpoints Pay can be used to cover the cost of eligible transactions made with a hotpoints Mastercard (or linked payment instrument). There is a minimum number of hotpoints that must be earned before you are eligible to use hotpoints Pay. See the applicable Credit Card Conditions of Use for full details.
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: