1. Log in to your Western Union profile.
2. Go to Menu and select Western Union Rewards.
3. Select Redeem points.
4. Select Yes in the popup.
5. Select Use reward.  

The discount will be automatically applied to your next transfer fee.  

Via the Western Union Rewards portal:  

1. Log in to your profile and go to Western Union Rewards.
2. Go to the Rewards section to view your reward options.
3. Choose your reward and select Use reward.  

The discount will be applied automatically to your next transfer fee.  

You can use your reward points till they expire as per Western Union Rewards terms and conditions.