Earning hotpoints.

You can earn hotpoints every time your Westpac hotpoints credit card, or any other payment instrument linked to your Westpac hotpoints credit card, is used to make an eligible purchase or payment.

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

Hotpoints are earned at the earn rate for your credit card type. Your hotpoints balance will be shown on your current account statement, which will be sent monthly to your last known address and/or available to download in Westpac One� Online Banking. You may obtain details of your accumulated hotpoints by logging in to Westpac One Online Banking or by phoning 0800 861 862, weekdays between 8am and 6pm.

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,
- gambling chips or gambling transactions (including online gambling),
- 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.

Redeeming your hotpoints.

You may redeem your hotpoints for the range of rewards available or for hotpoints Pay�. There is a minimum number of hotpoints you must earn before you are eligible to redeem your hotpoints for any reward or for hotpoints Pay.

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 redeem hotpoints rewards or use hotpoints Pay, your credit card account must not be in arrears, suspension or default.

All rewards are subject to availability and may be withdrawn or substituted at any time.

Once a reward has been issued, it cannot be returned and exchanged. However, a defective or damaged reward may be replaced or repaired as part of the supplier�s warranty process.

Gift card rewards are issued subject to any conditions that may be imposed by a redemption outlet. Any applicable conditions will be shown on the gift card. Gift cards, both physical and digital, are like cash � they cannot be replaced if lost, damaged or stolen.

The number of hotpoints required to obtain any reward 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 gift card. 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 use hotpoints Pay.

All merchandise and gift card rewards will be dispatched to the address you provide during the redemption process. Physical gift cards will be dispatched within seven working days, digital gift cards (eCards) will be dispatched within 1 hour and merchandise will be dispatched within 15 working days. Merchandise and physical gift cards will only be delivered to addresses within New Zealand.

If you do not receive a reward 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 use hotpoints Pay, 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 90 days from the date of cancellation, after which date any unused hotpoints become void. You will be able to obtain rewards during these 90 days, but you will not be able to use hotpoints Pay. Also remember that there is a minimum number of hotpoints you must earn before you are eligible to claim any reward. If, at the time of cancellation, you do not have enough hotpoints to claim any reward, you may gift your hotpoints to another hotpoints account holder. If you choose not to use any remaining hotpoints, you agree to relinquish the hotpoints and they will expire 90 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, redeemed for rewards or used for hotpoints Pay.

If a redemption outlet will not accept a valid physical or digital gift card, please call us on 0800 861 862, weekdays from 8am and 6pm.

You may not cancel a reward redemption order for any reason, subject always to applicable law.

hotpoints Pay�.

Hotpoints can be redeemed for hotpoints Pay to cover qualifying purchases that Westpac deems to fall within the categories of purchases listed below, and credit card annual fee charges, up to 90 days from the date of the qualifying purchase.

There is a minimum number of hotpoints required to use hotpoints Pay to cover qualifying purchases. Westpac may vary the list of qualifying purchases or the minimum number of hotpoints required to use hotpoints Pay, without prior notice. For full details please call us on 0800 861 862, weekdays between 8am and 6pm, or visit hotpoints.co.nz.

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

Hotpoints Pay can be used to pay for the following types of qualifying purchases:

- 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
- Annual credit card fee charges and joint or additional card fees
- Other expenditure at Westpac�s discretion.
- You will not be able to use hotpoints Pay for gambling chips or gambling transactions (including online gambling), cash advances, interest charges, or transactions on any nominated account(s) linked to your credit card or account, or any other purchase that Westpac deems ineligible for hotpoints Pay.

Hotpoints Pay is available for online redemptions at hotpoints.co.nz once you have logged in via Westpac Online Banking, for purchases you have already made, up to 90 days from the purchase date. You can also redeem for hotpoints Pay by calling hotpoints on 0800 861 862, Monday to Friday from 8am to 6pm.

Hotpoints Pay 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 redeemed via hotpoints Pay, they cannot be reversed. If you return a purchase that you paid for using hotpoints Pay, you will receive a refund in your hotpoints credit card account and the hotpoints you earned will be reversed. The hotpoints Pay redemption will not be reversed.

Hotpoints Pay 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 cannot 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 30 days.

The Westpac KiwiSaver Scheme is governed by a trust deed dated 16 May 2016 (as may be amended, consolidated or replaced from time to time). Further details on the Westpac KiwiSaver Scheme are set out in the Product Disclosure Statement available from any Westpac Branch, online at www.westpac.co.nz or you can request a copy by calling 0508 WPAC KIWI (0508 972 254).

BT Funds Management (NZ) Limited (BTNZ) is the scheme provider, and Westpac New Zealand Limited (WNZL) is the distributor of the Westpac KiwiSaver Scheme (Scheme). Investments made in the Scheme do not represent bank deposits or other liabilities of the Westpac Banking Corporation ABN 33 007 457 141, WNZL or other members of the Westpac Group, 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 BTNZ (as manager), any member of the Westpac group, The New Zealand Guardian Trust Company Limited (as supervisor), or any director or nominee of any of those entities, or any other person guarantees the Westpac KiwiSaver Scheme's performance, returns or repayment of capital.

The information above is subject to changes to government policy and law, and changes to the Westpac KiwiSaver Scheme from time to time.

Points + Pay.

Points + Pay allows you to obtain rewards quicker by using a combination of hotpoints and paying on your credit card, or for some items by using just your credit card to pay for the reward in full.

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

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 rewards from time to time.

Points + Pay is available for phone redemptions or online redemptions at www.hotpoints.co.nz once you have logged in via Westpac One� Online Banking.

Once a reward 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 repaired under the supplier�s warranty process.

If you return a damaged or defective item you redeemed through Points + Pay, and it is unable to be replaced or repaired under warranty, 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.

Joint cardholders.

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.

Additional cards 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 for hotpoints Pay.

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 90 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. If, at the time of cancellation, you do not have enough hotpoints to claim any reward, they will expire 90 days from the date of cancellation.

You cannot sell or convert your hotpoints into cash. They can only be redeemed for rewards or used for hotpoints Pay.

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.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.

account - means your Westpac credit card account.

card - means an eligible Westpac hotpoints Mastercard^®, 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 or computer) 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 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, additional cardholders, and the principal cardholder.

hotpoints® is a registered trademark of Westpac Banking Corporation.

hotpoints Pay® is a registered trademark of Westpac New Zealand Limited.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.