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Altitude Business Rewards program credit card

Earn Altitude Points when you use an Altitude Business Gold Mastercard® or Altitude Business Platinum Mastercard® rewards credit card – and enjoy a choice of redemption options.

What does the Altitude Points business rewards program offer?

This popular rewards program allows businesses in Australia to receive Altitude Points each time they use a Altitude Business Gold or Altitude Business Platinum credit card for eligible purchases and payments – which include government payments such as tax. The Altitude Points can then be redeemed for flights, upgrades, accommodation or car hire, or can be converted into Qantas Points.

Both Altitude Business Gold and Altitude Business Platinum credit cards allow you to have 2 cardholders, with the primary cardholder receiving the rewards points.

How do I get started?

It’s really simple. Every time you buy something for your business or make an eligible payment using your card, you can earn points. The number of points you earn depends on the type of card used and the purchase being made.

If you’re (1) the primary cardholder, (2) you already have a personal account, and (3) you’re registered for online banking, access your Altitude Rewards Account via Online Banking or the Westpac App. 

How can I earn Altitude Points?

Altitude Points earned per $1 spent1 on eligible business purchases are as follows:

  Altitude Business Platinum Mastercard
Altitude Business Platinum Mastercard
Altitude Business Gold Mastercard
Altitude Business Gold Mastercard
Australian merchants 1 1
Government payments such as ATO 0.5 0.5
Overseas merchants
2 1

What if I have an older Westpac Altitude Business Gold or Altitude Business Platinum card?

Please refer to our Historical Altitude Business Rewards earn rates document (PDF 27KB) for details of the points earned when spending with our older VISA or American Express cards.

Who receives the Altitude Points?

For Altitude Business Gold and Altitude Business Platinum credit cards the primary cardholder receives the points.

What card use doesn’t qualify for Altitude Points?

You won't earn Altitude Points on:

Is there a cap on the reward points I can receive?

Depending on the type of credit card you have, there might be a limit to the number of rewards points you can earn per statement cycle.

Credit card type  

Altitude Points cap per statement cycle

(Bonus points do not count towards the cap)

Altitude Business Platinum No points cap
Altitude Business Gold  20,000
Altitude Business (no longer available) 12,500
The cap on Altitude Points applies when using the Mastercard® or Visa card.

How can I maximise my rewards points earning potential?

  • Be aware of what your rewards points cap is, and when your credit card statement cycle begins and ends, so you can time any big-ticket purchases.
  • If you're frequently exceeding your rewards points cap, you could consider switching to a credit card without a points cap, for instance switching from an Altitude Business Gold to an Altitude Business Platinum card.

How can I check my Altitude Points balance?

To check your points balance, go to Rewards & Offers in Online Banking or the Westpac App. To register for Online Banking, go to

You can also call Altitude Rewards Centre on 1300 887 820.

1. Westpac Online Banking

  1. Sign into Online Banking
  2. Go to Rewards & Offers
  3. Look for Altitude Reward Points, select Redeem Points and follow the prompts.

2. Westpac App

  1. Sign in to the Westpac App
  2. Go to Rewards & Offers
  3. Go to  Altitude Reward Points, tap Redeem Points and follow the prompts. 

3. Altitude Rewards Centre

1300 887 820

Monday - Friday, 8am - 8pm AEST, excluding National Public Holidays. 

When do Altitude Points expire?

  • Your points won’t expire, but in some circumstances, you may not be entitled to them or you won’t be able to claim rewards, and we may correct your points record by deleting any points invalidly earned.
  • Once your account is closed you have 90 days to redeem your Altitude Points.

Rewards program benefits and redeeming points

Pay with Points

This gives you an almost unlimited choice of how to use your points. How? Just choose any card purchase you’ve made in the past 90 days (excluding BPAY®) and get a credit on your statement for that transaction value with your Altitude Points. Conditions apply.

Points plus pay

If you see something you want, but don’t have enough Altitude Points – Points plus pay lets you use the points you currently have and make up the difference with a credit or debit payment. And if you pay the remaining balance using your Altitude Business credit card, you’ll earn Altitude Points. Conditions apply for that payment.

Shop on the Altitude Rewards Program

Whether it’s technology, fitness, electrical goods, movie tickets or experiences you’re after – the Altitude Rewards Program has many leading brands you can choose from, using your points. You can also donate to charity this way1.

Altitude Travel

Use your points to book any available flight or holiday package, hotel, car hire and/or activity. Conditions apply.

Build up your frequent flyer points

Use your points to book any available flight or holiday package, hotel, car hire and/or activity. Conditions apply:

  • Qantas Frequent Flyer
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.


For a full list of items you can redeem your Altitude Points for, sign into your Altitude Rewards Account via Westpac Online Banking or the Westpac App. 

Things you should know

Altitude Business Rewards Terms and Conditions (PDF 2MB)

Altitude Business Credit Cards Conditions of Use (PDF 227KB)

Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.

Find out what information you need to provide to become a customer.

Annual card fee: For Altitude Business Platinum Mastercard and Altitude Business Gold Mastercard credit cards, the annual card fee covers all cards associated with the product. For BusinessChoice Rewards Platinum Mastercard and BusinessChoice Everyday Mastercard credit cards, an annual card fee is payable for each card associated with the facility.

1 Earning and redeeming Altitude Points:
You can earn and redeem Altitude Points as set out in the Altitude Business Rewards Terms and Conditions (PDF 2MB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude Points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.

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