Westpac hotpoints Platinum Mastercard NZ, Earn 2 Hotpoints per $1, Uncapped Rewards, Travel Insurance & Kiwi Perks

The Westpac hotpoints Platinum Mastercard packs a concentrated set of rewards and protections tailored for Kiwis who want uncapped earning and sensible travel cover. With 2 hotpoints per $1 spent, a 24/7 Platinum concierge and complimentary overseas travel insurance, this card aims to make everyday spending more rewarding across Aotearoa.

Uncapped rewards and practical earning

Cardholders earn 2 hotpoints for every $1 spent on the Westpac hotpoints Platinum Mastercard, with no cap on how many hotpoints you can collect. That clear rate makes it straightforward to stack points from groceries, bills and travel bookings and see real value back from regular spending.

Hotpoints are flexible: redeem for flights, accommodation, gift cards through Flight Centre or Helloworld, or even contributions to KiwiSaver accounts. The Points + Pay option lets you top up purchases when you’re short of hotpoints, so your points never go unused.

Travel insurance and purchase protection

The Westpac hotpoints Platinum Mastercard includes complimentary overseas travel insurance for up to 35 days per trip when you meet the activation criteria, covering medical expenses, cancellation and luggage. For Kiwis planning regular short hops across the Tasman or longer overseas trips, that cover is a strong draw compared with similar mid-tier cards.

Alongside travel cover, the card offers retail protections such as extended warranty cover and purchase protection for items lost, stolen or accidentally damaged within 90 days. Those practical protections mean your purchases and trips get extra peace of mind without extra fees.

Platinum privileges and concierge services

One of the standout features of the Westpac hotpoints Platinum Mastercard is access to Mastercard Platinum privileges, including a 24/7 Platinum concierge. Whether you need a restaurant reservation in Wellington or help booking a motel in Queenstown, the concierge service is there to handle details on your behalf.

Other perks include Priceless Cities experiences and Mastercard Global Services for emergency assistance overseas. For frequent travellers and busy professionals in New Zealand, these services turn routine travel hiccups into manageable tasks.

Fees, rates and who should apply

The card carries an annual fee of $119 and a standard purchase rate that’s higher than low-rate cards, so it suits people who pay their balance in full each month and prioritise rewards. Additional cards cost $15 per year and the balance transfer offer at 5.95% p.a. can be useful for managing existing debt.

If you’re a Kiwi who spends regularly on household bills, travel and shopping and you redeem hotpoints for travel or gift cards, the Westpac hotpoints Platinum Mastercard can deliver strong value. Avoid carrying a revolving balance to make the most of the uncapped hotpoints earning and the complimentary travel protections.