Westpac hotpoints Platinum Mastercard uncapped points, complimentary overseas travel insurance and 24/7 concierge for Kiwis

Rewards that actually work for Kiwis

The Westpac hotpoints Platinum Mastercard delivers uncapped points that suit Kiwi spending patterns. Cardholders typically earn 2 hotpoints for every $1 spent, with no cap on how many hotpoints you can collect, making it a strong pick for families, tradies and frequent shoppers across New Zealand.

Points are flexible and redeemable for flights, accommodation, rental cars, gift cards and even contributions to KiwiSaver through partner options. The Points + Pay feature lets you combine hotpoints with card payments so you never miss out on a reward, keeping the hotpoints strategy simple and effective.

Travel cover and Platinum concierge for peace of mind

Complimentary overseas travel insurance is included for up to 35 days per trip, a handy benefit for Kiwis heading to Australia, the Pacific Islands or further afield. The insurance covers medical expenses, cancellation and luggage, subject to activation spend requirements and standard excesses, so check the terms before you travel.

On top of that, the 24/7 Platinum concierge service is a standout for busy Kiwis. From booking last-minute flights to securing dinner reservations or bespoke travel arrangements, the Platinum concierge paired with Mastercard Platinum privileges adds convenience and reassurance when you need local knowledge or global help.

Protection, balance transfers and everyday perks

The card includes retail protection such as extended warranty and purchase protection, keeping valuable purchases safer for up to 12 months extra or within 90 days of accidental damage or theft. For Kiwis who buy tech or appliances, that added cover can be a genuine saving over time.

If you have existing card debt, the balance transfer rate of 5.95% p.a. for transferred balances can help manage repayments while you collect hotpoints on new spending. Remember that hotpoints are not earned on transferred balances, and the standard purchase rate applies if you carry a balance, so focus on paying off purchases to retain interest-free days.

Is the Westpac hotpoints Platinum Mastercard right for you?

With a $119 annual fee and a competitive feature set, the Westpac hotpoints Platinum Mastercard suits higher spenders who can earn large volumes of hotpoints and use travel insurance regularly. If you clear your statement each month you benefit from up to 55 days interest-free on purchases and maximise uncapped points without paying interest.

For many Kiwis the combination of uncapped points, travel insurance up to 35 days, retail cover and a 24/7 Platinum concierge makes this card stand out in the NZ market. Compare rewards strategies and spending habits before applying, then consider applying online if the rewards and protections match your lifestyle and travel plans.