Westpac Hotpoints Platinum MasterCard NZ, earn 1.5 Hotpoints per $1 plus free overseas travel insurance and extended warranty
Smart ways Kiwis can rack up 1.5 Hotpoints per $1 while enjoying free overseas travel insurance and extended warranty with the Westpac Hotpoints Platinum MasterCard
Why Kiwis are choosing the Westpac Hotpoints Platinum MasterCard
The Westpac Hotpoints Platinum MasterCard is built for Kiwis who love travel and want solid everyday rewards. You earn 1.5 Hotpoints per $1 spent up to $7,000 each month, and 1 Hotpoint per $1 thereafter, making it easy to rack up points on groceries, fuel and online shopping.
Beyond points, the card includes complimentary overseas travel insurance, purchase protection and extended warranty on eligible items. That mix of rewards and cover makes this card a practical pick for frequent flyers based in Auckland, Wellington or anywhere across NZ.
Costs, rates and what to watch for
Understand the numbers before you swipe: the purchase rate sits at 20.95% p.a., cash advances at 22.95% p.a., while balance transfers can be as low as 5.95% for the life of the transferred balance. Interest-free days of up to 55 days apply when you pay your balance in full each month.
The annual fee is $70, billed in two instalments, and the card has a minimum credit limit requirement that suits higher spenders. These fees are worth tracking against how many Hotpoints you actually convert into flights, accommodation or vouchers.
Smart ways to maximise Hotpoints and redeem rewards
To get the most value from Hotpoints, concentrate everyday spend on the card up to the $7,000 monthly tier for 1.5 Hotpoints per $1. Put bills, groceries and commuting costs on the card, then redeem for flights, car hire or accommodation for great Kiwi-friendly value.
Redeem Hotpoints via the Westpac rewards portal to book travel or pick vouchers for popular NZ retailers. Keep an eye on promotional earn rates and seasonal transfer offers that can boost the value of your Hotpoints when booking overseas trips.
Applying, eligibility and final considerations
Applying is straightforward online but you’ll need proof of ID and income. Kiwis usually supply a passport or NZ driver licence plus recent payslips or IRD income statements. Self-employed applicants should prepare financials and tax returns to speed up approval.
Weigh the pros and cons: the Westpac Hotpoints Platinum MasterCard is a top contender for those who travel often and spend regularly, thanks to travel insurance and extended warranties. If you carry a balance, consider the balance transfer offer and check whether the interest and annual fee fit your budget before applying.