Westpac Hotpoints Platinum Mastercard review for Kiwis with uncapped rewards, travel insurance and Platinum concierge

Uncapped hotpoints that actually add up

The Westpac hotpoints Platinum Mastercard gives Kiwis a straightforward way to rack up rewards: 2 hotpoints for every $1 spent, with no cap on earnings. Whether you’re putting grocery bills, fuel or holiday spending on the card, points pile up quickly and can be redeemed for flights, accommodation, gift cards or even KiwiSaver contributions.

Redemption is flexible and practical for everyday life in New Zealand. Use Points + Pay to top up when you’re short, or convert hotpoints into travel gift cards via partners like Flight Centre for an effective return on spend. For someone who swipes often, this card turns routine purchases into real benefits.

Travel cover and purchase protection

One of the big draws of the Westpac hotpoints Platinum Mastercard is the complimentary overseas travel insurance, covering trips up to 35 days. The policy includes cancellation, overseas medical, luggage and travel delay cover, giving peace of mind for weekend jaunts to Fiji or longer trips to Europe. Activation rules apply, so check the terms before you travel.

On top of travel cover, the card provides retail protections like purchase protection and an extended warranty, handy for electronics, whiteware or outdoor gear bought here in Aotearoa. These extras make the card a solid pick for Kiwis who value both rewards and practical protection for their purchases.

Platinum concierge and everyday perks

Cardholders get access to a 24/7 Platinum Concierge service for restaurant bookings, travel planning and special requests, plus Mastercard Platinum privileges such as Priceless Cities experiences and global emergency assistance. The Westpac hotpoints Platinum Mastercard also offers up to 55 days interest-free on purchases when you pay in full each month — a useful feature for managing cashflow.

Fees and rates are competitive for what you get: an annual fee of NZ$119 and additional cards available for a modest cost. There’s also a balance transfer offer at 5.95% p.a. for transferred amounts, which can be attractive when consolidating higher-interest debt, but remember hotpoints aren’t earned on balance transfers.

Is this the right card for Kiwis?

If you’re a frequent spender who pays the balance each month and wants uncapped rewards, the Westpac hotpoints Platinum Mastercard is hard to beat. It pairs strong everyday earning with travel insurance and concierge access, making it ideal for travellers, families and busy professionals across New Zealand who want value and convenience from one card.

Shop around and compare in the Kiwi market, but if you plan to maximise hotpoints and avoid interest by paying in full, applying for the Westpac hotpoints Platinum Mastercard could be a smart move. Apply online or pop into a Westpac branch to chat through eligibility and start earning straight away.