Rewards credit cards

Choose between our great rewards credit cards, then you can choose to earn Altitude or Qantas rewards points.

Choice of rewards

Altitude Rewards

  • Travel rewards and frequent flyer points in a range of airline programs
  • Shopping vouchers, gift cards and premium brand products.

Qantas Rewards

  • Earn Qantas Frequent Flyer points for flights on Qantas, Jetstar and a range of partner airlines
  • Qantas flight upgrades (where available).
Altitude credit card

Altitude credit card

0.00% p.a. for 14 months on balance transfers requested at new card application. Rate then switches to standard variable purchase rate.

  • Low annual fee
  • The convenience two cards linked to one account - American Express® and Visa
  • 45 days interest free on purchases when you pay the closing balance in full by the due date shown on your statement

 

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Altitude platinum credit card

Altitude Platinum credit card

40,000 bonus Qantas or Altitude Points on a new Altitude Platinum credit card*

0.00% p.a. for 14 months on balance transfers requested at new card application. Rate then switches to standard variable purchase rate.

Rewards benefits equal to our Altitude credit card, plus:

  • Platinum concierge services
  • Complimentary insurance covers
  • Earn bonus points at participating bonus partners

 

Find out more

Altitude black credit card

Altitude Black credit card

0.00% p.a. for 20 months on balance transfers requested at new card application. Rate then switches to standard variable purchase rate.

Rewards benefits equal to Altitude and Altitude Platinum credit cards, plus:

  • Our highest points earn rate
  • No points capping
  • Complimentary lounge passes

 

Find out more

 

Need some help?

Use our selector tool, calculators or comparison pages to help you make a decision on the card that is right for you.

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    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New cards only. ^See conditions below.

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  • New customers

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    Get a response in 60 seconds.

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    Westpac customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

    $0 annual fee for the first year. New and selected cards only. ^See conditions below.

    Apply now
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    New customers

    Apply online in 10 minutes.
    Get a response in 60 seconds.

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    Give us a call

    1300 130 961 

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Things you should know
  • Westpac is the credit provider and credit licensee under National Consumer Credit Laws.  

    World MasterCard®, MasterCard® and the MasterCard brand mark are registered trademarks, and PayPass is a trademark of MasterCard International Incorporated.

    Offers are not available in conjunction with any special offers that are not listed on www.westpac.com.au. Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible.

  • Complimentary insurance covers: QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 which allows eligible Westpac account holders and cardholders to claim under it as third party beneficiaries. The terms, conditions, limits and exclusions, of the group policy, are set out in the Westpac Credit Cards Complimentary Insurance Policy, which may be amended from time to time. Westpac does not guarantee the insurance. You can get a copy of the policy booklet by calling 1300 130 961.


  • Purchase rate promotion: The introductory rate of 0.99% p.a. on purchases is available when you apply for a new Low Rate, Altitude or Altitude Black credit card between 12 April 2016 and 6 July 2016. The introductory rate will be applied from the date of the first purchase on your account and expires 4 months after the date of card approval for the Low Rate card; or 3 months after the date of card approval for Altitude and Altitude Black cards. At the end of this period the introductory purchase rate will switch to the variable purchase rate then applicable to your card account and any purchases that remain unpaid at that time will revert to the standard variable purchase rate then applicable to your card account.
  • *Bonus points promotion: The bonus points promotion is available when you apply for a new Altitude Platinum card between 12 April 2016 and 6 July 2016 and spend the minimum amount of $1000 on eligible purchases within 90 days from card approval on one or more transactions. Eligible purchases do not include fees, cash, cash equivalent transactions, refunds and balance transfers debited from the card account. The bonus points depend on your choice of Rewards Program. The bonus Altitude Points or Qantas Points will be credited to your points balance within 12 weeks after the eligible spend criteria being met. Existing Westpac, St George, Bank of Melbourne and BankSA customers currently holding a credit card or have closed a credit card within the previous twelve months from card activation are not eligible for this offer.

  • ^$0 annual fee in first year for existing Westpac customers promotion: To be eligible for this promotion you must be an existing Westpac customer that applies for a new Low Rate, Altitude, Altitude Platinum or Altitude Black card by clicking on the Westpac customers 'Apply now’ button via westpac.com.au or westpac.com.au/mobile between 12 April 2016 and 6 July 2016. Switches, upgrades, customers accessing employee benefits or packages cards are ineligible. The first annual fee will be debited on the 12 month anniversary of the first transaction on your account and annually thereafter on the anniversary of the first annual fee.
  • Balance transfer promotion: The promotional balance transfer rate is available when you apply for a new Westpac credit card between 12 April 2016 and 6 July 2016 and request at application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. The rates will apply to balance(s) transferred (min $200 up to 95% of your approved available credit limit) for the promotional period, unless the amount is paid off earlier. Card activation will trigger the processing of the balance transfer. The variable purchase rate will apply to balance(s) transferred but left unpaid at the end of the promotional period. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Switches, upgrades, customers accessing employee benefits or packaged cards are ineligible. The variable purchase interest rate applies to balance transfers requested at any other time. Interest free days don’t apply to balance transfers.