1 June 2017

    hotpoints® SpendBack™

    From 15 June 2017, we’re making some changes to our Conditions of Use that apply to our hotpoints credit cards.

    The changes introduce a new hotpoints redemption function called hotpoints SpendBack.

    This function allows customers who use their hotpoints credit card for qualifying purchases (including food and fuel purchases) to redeem their hotpoints to pay back part or all of those purchases, up to three months from the date of the qualifying purchase.

    A link to each of our updated conditions of use that apply to hotpoints credit cards and will come into effect on 15 June 2017 are available below.

    Westpac Credit Card Conditions of Use

    Westpac World Mastercard® Account Conditions of Use

    Hotpoints terms & conditions

    If you have a Westpac hotpoints credit card, these terms and conditions apply to you.

    For general enquiries about hotpoints, including enquiries about how many hotpoints you have, please call Monday to Friday, 8.30am to 5pm on 0800 861 862.

    If you have any enquiries about these terms and conditions, please call Monday to Friday 8.30am to 5pm on 0800 861 862. If you need to write to us, our address is Westpac, Private Bag 92503, Wellesley Street, Auckland.

    Both these terms and conditions and our Credit Card Conditions of Use apply to hotpoints with Westpac. In case of conflict, our Credit Card Conditions of Use shall prevail.



    Earning hotpoints

    • You can earn hotpoints every time your Westpac hotpoints credit card or any other payment instrument is used to make a purchase.

    • Hotpoints earned on any day are issued within the next two business days.

    • The combined amount of your purchases each day will be rounded up to the next whole dollar amount, and the number of hotpoints earned for that day will be determined on the basis of this rounded amount.

    • Your hotpoints balance will be shown on your current account statement, which will be sent to you on a monthly basis. Your statement will be sent to you at your last known address. You may obtain details of your accumulated hotpoints by logging in to Westpac Online Banking or by phoning 0800 861 862 between 8.30am and 5pm Monday to Friday.

    • If you are a World Mastercard® cardholder you cannot redeem your hotpoints for Concierge or Home Assist Services.

    • If you are a Platinum Mastercard® cardholder you cannot redeem your hotpoints for Home Assist Services.

    • You may gift your hotpoints to any other hotpoints member (a minimum amount of hotpoints is required. For full details please call us or visit www.hotpoints.co.nz). You authorise any other participant to disclose to us such information as may be required to transfer to you any hotpoints that another hotpoints account holder may wish to give you.

    • Hotpoints earned by you are valid for three years from the date of issue.

    • You cannot earn hotpoints for the following:

      - cash advances from your account,

      - charges,

      - interest charges,

      - cash substitutes such as gambling chips,

      - transactions that Westpac believes, at its sole discretion, are related to business expenditure (excluding transactions made on a BusinessPLUS Mastercard®),

      - balances transferred from another credit card or account,

      - transactions on any nominated account(s) linked to your credit card or account.

    • Westpac is unable to provide hotpoints for transactions by means other than a credit card or any other payment instrument, as a result of the failure of any machine or system, or strike beyond the control of the bank.

    • If you return a purchase, the hotpoints earned for the original purchase, including any bonus hotpoints, will be reversed.

    • The value and rewarding of hotpoints will be determined by Westpac at its absolute discretion.


    Redeeming your hotpoints for rewards or reward vouchers

    • You may redeem your hotpoints for rewards or reward vouchers. There is a minimum number of hotpoints you must earn before you are eligible to claim any reward or reward voucher.

    • Only principal or joint cardholders may redeem hotpoints. Other parties may redeem hotpoints only with the express written permission of the principal or joint cardholder.

    • To obtain hotpoints rewards or reward vouchers, your credit card account must not be in arrears, suspension or default.

    • All rewards and reward vouchers are subject to availability and may be withdrawn or substituted at any time.

    • Once a reward or reward voucher has been issued, it cannot be returned and exchanged. However, a defective or damaged reward may be replaced or exchanged for another reward of equal value.

    • Reward vouchers are issued subject to any conditions that may be imposed by a redemption outlet. Any applicable conditions will be shown on the voucher. Vouchers are like cash – they cannot be replaced if lost, damaged or stolen.

    • The number of hotpoints required to obtain any reward or reward voucher may be varied at any time by Westpac without prior notice.

    • We will not be responsible for the quality or suitability of any goods or services provided by any redemption outlet through the redemption of any reward voucher. Any complaints you have with the redemption outlet must be resolved by you.

    • Westpac will deduct the appropriate number of hotpoints from your hotpoints balance when you request a reward or reward voucher.

    • Reward vouchers will be dispatched to your last known address within seven working days, and merchandise will be dispatched within 15 working days. Merchandise rewards will only be delivered to addresses within New Zealand.

    • If you do not receive a reward or reward voucher you have requested, you must notify us within three months for a replacement to be issued.

    • Hotpoints earned by you are valid for three years from the date of issue. This means that if you want to redeem your hotpoints for a reward or reward voucher, you must do so within three years of the date of their issue. If either you or we cancel or close your Westpac hotpoints credit card account, all payment instrument(s) linked to your main credit card account will be blocked from further use and cancelled, and any unused hotpoints will be valid for 10 business days from the date of cancellation, after which date any unused hotpoints become void. Remember that there is a minimum number of hotpoints you must earn before you are eligible to claim any reward or reward voucher. If, at the time of cancellation, you do not have enough hotpoints to claim any reward or reward voucher, you may gift your hotpoints to another hotpoints account holder or to charity. If you choose not to use any remaining hotpoints in this way, you agree to relinquish the hotpoints and they will expire 10 business days from the date of cancellation.

    • You cannot sell or convert your hotpoints into cash. They can only be gifted to another hotpoints account holder or redeemed for rewards or reward vouchers.

    • If a redemption outlet will not accept a valid reward voucher, please call us on 0800 861 862.


    Pay using Points at Flight Centre

    • Hotpoints can be redeemed at Flight Centre in store or by phoning 0800 354 449.

    • The minimum number of hotpoints required to redeem at Flight Centre may vary from time to time without prior notice. For full details please call Westpac hotpoints on 0800 861 862, Monday to Friday between 8.30am and 5pm, or visit www.hotpoints.co.nz.

    • Once hotpoints have been redeemed at Flight Centre, the redemption cannot be reversed.

    • Flight Centre’s booking terms and conditions will apply to all travel bookings made using Pay Using Points at Flight Centre.

    • Hotpoints terms and conditions apply.

    • Westpac Credit Card Conditions of Use for the applicable card apply.

    • In the event that you cancel or change a travel booking made with Pay Using Points at Flight Centre, any refunds will be made in hotpoints and returned to the same person(s) and, if the travel booking was made using hotpoints and another payment option, in the same proportions as the original transaction. Cancelled bookings will incur charges. These charges can be up to 100% of the cost of the booking, regardless of whether travel has commenced. Fees will also apply where a booking is changed or tickets or other travel documents are re-issued. See Flight Centre’s terms and conditions for more details. You’ll need to allow up to 2 business days following the cancellation at Flight Centre before any hotpoints refund portion can be credited to your hotpoints account.


    Hotpoints Holiday Credits

    • Hotpoints can be redeemed for Holiday Credits to cover qualifying travel purchases, up to three months from the date of purchase.

    • There is a minimum number of hotpoints required to redeem for Holiday Credits to cover qualifying travel purchases which Westpac may vary without prior notice. For full details please call us on 0800 861 862, Monday to Friday between 8.30am and 5pm, or visit www.hotpoints.co.nz

    • Holiday Credits can be used to pay for the following types of qualifying travel purchases:

      - Airline travel

      - Car rental

      - Cruise tickets

      - Long-haul Rail travel (must be non-commuter)

      - Long-haul Coach travel (must be non-commuter)

      - Purchases made at New Zealand and international travel agencies

      - Accommodation (including but not limited to, hotel accommodation, backpackers, self catered apartment and villas, holiday rentals)

      - Local and International travel purchases through online travel websites (including but not limited to, wotif, expedia, lastminute, TravelBug.co.nz)

      - Travel insurance purchased through Westpac and/or the underwriter of insurance on Westpac credit cards

      - Airport transfers

      - Airport tax

      - Sightseeing tours and overseas tourist attractions/theme parks

      - Other travel related expenditure at Westpac's discretion.

    • Qualifying travel purchases must be made with a Westpac hotpoints credit card or linked Westpac PayTag.

    • Hotpoints Holiday Credits can only be used to cover purchases that we can, at our discretion, identify as being qualifying travel purchases. We may ascertain this by looking at your card account. We may require additional proof of purchase in the form of an invoice or receipt or other document.

    • Westpac may refuse any request for redemption if we are not satisfied that a qualifying travel purchase has been made.

    • Once hotpoints have been converted to Hotpoints Holiday Credits, the conversion cannot be reversed.

    Important: Your Westpac Credit Card Conditions of Use apply. You will remain responsible for all credit card payments as they fall due.


    Hotpoints SpendBack™

    hotpoints can be redeemed for hotpoints SpendBack™ to cover part or all of qualifying food and fuel purchases, and (from August 2017) credit card annual fee charges, that Westpac deems to fall within the categories of purchases listed below, up to three months from the date of the qualifying purchase.

    Qualifying purchases must be made with a Westpac hotpoints credit card or any other payment instrument linked to the hotpoints credit card account.

    There is a minimum number of hotpoints required to redeem for hotpoints SpendBack™ to cover qualifying purchases and Westpac may vary the list of qualifying purchases or the minimum number of hotpoints required to redeem for hotpoints SpendBack™, without prior notice. For full details please call us on 0800 861 862, Monday to Friday between 8.30am and 5pm, or visit hotpoints.co.nz.

    hotpoints SpendBack™ can be used to pay for the following types of qualifying purchases:

    1. Grocery stores and supermarkets

    2. Specialty food and alcohol stores

    3. Restaurants, cafes and bakeries

    4. Fast food outlets

    5. Bars, pubs and nightclubs

    6. Food vending machines

    7. Petrol and service stations and other fuel dealers

    8. Annual credit card fee charges and joint or additional card fees (from August 2017)

    9. Other expenditure at Westpac’s discretion.

    hotpoints SpendBack™ is available for online redemptions only at hotpoints.co.nz once you have logged in via Westpac Online Banking.

    hotpoints SpendBack™ can only be used to cover purchases that we can, at our discretion, identify as being qualifying purchases. We may ascertain this by looking at your hotpoints credit card account. We may require additional proof of purchase in the form of an invoice or receipt or other document.

    Westpac may refuse any request for redemption if we are not satisfied that a qualifying purchase has been made.

    Once hotpoints have been converted to hotpoints SpendBack™, the conversion cannot be reversed.

    SpendBack™ redemptions do not count towards your minimum payment requirements on your credit card account. You are still required to comply with the monthly minimum payment obligations as provided in the Credit Card Conditions of Use

    Important: Your Westpac 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

    • You can only convert hotpoints and apply those as a contribution to a Westpac KiwiSaver Scheme account. You can not apply hotpoints to any other KiwiSaver Scheme.

    • Hotpoints applied as a contribution to a Westpac KiwiSaver Scheme account will be invested in accordance with the investment election that applies to the applicable Westpac KiwiSaver Scheme account.

    • There is a minimum amount of hotpoints required before you are able to convert them into a contribution to a Westpac KiwiSaver Scheme account which Westpac may vary without prior notice. For full details please call us or visit www.hotpoints.co.nz

    • You can convert your hotpoints and apply those as a contribution to another person’s Westpac KiwiSaver Scheme account. Please note that those contributing to another person’s Westpac KiwiSaver Scheme account may face certain tax issues, including fringe benefit tax and/or gift duty. Any such tax issues are solely the contributor’s responsibility and we recommend you consult your tax advisor before making any contribution to another person’s Westpac KiwiSaver Scheme account. Westpac makes no representation about a contributor’s tax liability as a result of them converting, and applying as a contribution, any hotpoints to another person’s Westpac KiwiSaver Scheme account through this programme.

    • Once hotpoints have been converted, the conversion cannot be reversed.

    • Contributions to the Westpac KiwiSaver Scheme are subject to the terms of the Westpac Kiwisaver Scheme.

    • Your hotpoints balance will reflect your conversion on the day you request the conversion.

    • Where you request hotpoints to be converted and applied as a contribution to a Westpac KiwiSaver Scheme account that contribution will be made within 7 days.

    • The Westpac KiwiSaver Scheme is governed by a trust deed dated 20 September 2012 (as may be amended, consolidated or replaced from time to time). Further details on the Westpac KiwiSaver Scheme are set out in the Investment Statement available online at www.westpac.co.nz/investment-kiwisaver/kiwisaver or you can request a copy by calling 0508 WPAC KIWI (0508 972 254).

    • Investments made in the Westpac KiwiSaver Scheme (Scheme) do not represent bank deposits or other liabilities of 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 trustee), or any director or nominee of any of those entities, or any other person guarantees the Scheme’s performance, returns or repayment of capital.

    • BT Funds Management (NZ) Limited is the scheme provider and manager, The New Zealand Guardian Trust Company Limited is the trustee, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme.

    • Westpac reserves the right to vary these terms and conditions. Any changes to these terms and conditions will take effect at least 14 days after the date of notice.


    Points + Pay

    Points + Pay allows you to obtain rewards quicker by using a combination of hotpoints and paying on your Westpac hotpoints credit card or other eligible payment instrument, or alternatively by using just your Westpac hotpoints credit card or other eligible payment instrument to pay for the reward in full.

    • When you use your Westpac hotpoints credit card or other eligible payment instrument to pay for all or part of a selected reward, you’ll also earn hotpoints at your standard earn rate for every dollar spent.

    • Only Westpac hotpoints credit cards can be used for the pay portion.

    • If you use a Westpac credit card that is not a hotpoints credit card, you will not earn hotpoints on the pay portion.

    • Points + Pay option is available only on selected voucher and merchandise rewards.

    • Selected items will also earn additional bonus hotpoints on the pay portion from time to time.

    • Points + Pay is available for online redemptions only at www.hotpoints.co.nz once you have logged in via Westpac Online Banking.

    • Once a reward or reward voucher has been issued, it cannot be returned and exchanged because you have changed your mind. However, a defective or damaged reward may be replaced or exchanged for another reward of equal value.

    • If you return a damaged or defective item you redeemed through Points + Pay, and it is unable to be replaced or exchanged for another reward of equal value, the hotpoints earned for the original pay portion, including any bonus hotpoints, will be reversed. Any payment amount on your credit card will also be reversed.


    Promotion Codes

    Hotpoints Promotion Codes are unique codes provided to customers from time to time, which offer a specified discount which will apply to redemptions for vouchers and merchandise rewards.

    • Promotion Codes

      - are valid for a limited time only and expire on the date specified in the offer.

      - can only be used once and must be used at the time of the hotpoints redemption.

      - can be used either for redemptions made online or by phone.

      - cannot be applied to KiwiSaver contributions, charity donations, annual fees or gifting points.

      - cannot be used for Points + Pay redemptions.

      - cannot be applied to previously processed redemptions.

      - cannot be transferred to another hotpoints account.

      - cannot be used in conjunction with any other Promotion Code.

    • The Promotion Code discount will be applied to the total value of the redemption placed at the time where the unique Promotion Code is used.



    • All other hotpoints Terms and Conditions apply.


    Joint cardholders

    If you and a joint cardholder each hold a card or Westpac PayTag on the same account, you are both bound by these terms and conditions. We will accept instructions relating to your hotpoints from either joint cardholder.


    Additional cards

    Additional cards or Westpac PayTag(s) on your account will be automatically enrolled in hotpoints. Additional cards on your account earn hotpoints but additional cardholders cannot redeem hotpoints for rewards or reward vouchers.


    Charges

    Charges are subject to change.


    Cancellation

    You may cancel or close your Westpac hotpoints credit card account at any time by notifying us by telephone or mail. If your hotpoints credit card account is cancelled, your hotpoints membership will be automatically cancelled. Unless you have acted fraudulently, hotpoints earned by you can be exchanged within ten business days of cancellation, after which date any unused hotpoints will become void. Remember that there is a minimum number of hotpoints you must earn before you are eligible to claim any reward or reward voucher. If, at the time of cancellation, you do not have enough hotpoints to claim any reward or reward voucher, you may gift your hotpoints to another hotpoints account holder or to charity. If you choose not to use any remaining hotpoints in this way, you agree to relinquish them and they will expire 10 business days from the date of cancellation.

    When you cancel your Westpac hotpoints credit card account, all cards and other payment instruments that are linked to it will be blocked from any further usage and cancelled.

    If you fail to comply with these terms and conditions and/or our credit card conditions of use, operate your credit card fraudulently, or otherwise abuse the accumulation or redemption of points within the programme, we may cancel or freeze your Westpac hotpoints credit card account at any time without prior notice. If this occurs you will not be eligible to redeem any hotpoints previously earned on your account while your account is frozen or after it is cancelled. Westpac Credit Card Conditions of Use apply.


    Disputes

    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 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. Notice of any such change will be given at least 14 days in advance in accordance with the Code of Banking Practice. The Code of Banking Practice is available at any Westpac branch or online at www.westpac.co.nz


    • 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. If hotpoints is terminated, any unused hotpoints will not be exchanged for cash.


      Definitions

      account - means your Westpac credit card account.

      bonus outlet - means an organisation where, subject to any applicable conditions, additional hotpoints may be earned through the use of your card. Bonus outlets may be named from time to time in hotpoints communications.

      card - means an eligible Westpac hotpoints Mastercard® or Visa credit card, or any other scheme or branded credit card notified by us from time to time and includes, unless the context states otherwise, any joint/additional card(s) issued on an eligible credit card account.

      cardholder - means the person we issue with a card or other scheme or branded credit card, if any. This includes, unless the context states otherwise, joint cardholders, additional cardholders and the principal cardholder.

      credit card conditions of use - means the conditions of use, as amended from time to time, applying to the use of your Westpac credit card.

      hotpoints - means, depending on the context:

    • the scheme owned and operated by Westpac through which participants are rewarded for the use of their credit card(s) in accordance with these terms and conditions, or

    • points accrued by a hotpoints account holder through the use of your Westpac credit card in accordance with these terms and conditions.

    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 card.

    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 items as advised from time to time in hotpoints communications, which are obtained by redeeming hotpoints.

    reward vouchers - means the vouchers which are obtained by redeeming hotpoints. These vouchers may be exchanged for full or part payment of purchases made at redemption outlets. Each reward voucher can be used only at the redemption outlet specified on the reward 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.

    Westpac PayTag - means, when available, the Westpac PayTag sticker issued to you by Westpac that enables you to make Contactless transactions.

    you or your - means the participant in hotpoints. This includes unless the context states otherwise, joint cardholders, additional cardholders, and the principal cardholder.

    hotpoints is a registered trademark of Westpac Banking Corporation.
    Mastercard is a registered trademark of Mastercard International Incorporated.

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