hotpoints® credit cards and earn rates

There is a minimum number of hotpoints you must earn before you are eligible to claim rewards or reward vouchers. Hotpoints terms and conditions apply. Reference to non-Westpac websites are provided for your convenience only. Westpac accepts no responsibility for the availability or content of such websites. hotpoints® is a registered trademark of Westpac Banking Corporation. Westpac's current credit card lending criteria apply to all applications and transfers. The information on this page is presented subject to our legal page and any other terms and conditions that Westpac may impose from time to time. It is subject to change without notification. Westpac New Zealand Limited.