hotpoints Terms &
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.
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:
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.
– 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
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.
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.
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 on your account are subject to these terms and conditions.
Charges are subject to change.
You may cancel your hotpoints credit card(s) at any time pursuant to the ‘Cancellation’ section of the Credit Card Conditions of Use.
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:
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
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:
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.
Now you've got more freedom with hotpoints Pay®.
Use your hotpoints anywhere Mastercard® is accepted*.
*Terms and conditions apply.