Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input

Altitude Rewards program

Available on both the Altitude Business Gold Mastercard® and Altitude Business Platinum Mastercard®, this program allows you to earn and redeem points for merchandise such as cinemas passes, coffee machines, home audio equipment, outdoor furniture, travel and more1.

How to earn Altitude Points

Every time you buy something using your card, you could earn points. The number of points you earn depends on the card used and the purchase being made.

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


Altitude Business Platinum Mastercard

Altitude Business Gold Mastercard
Overseas Merchants 2
Australian Merchants 1
Government payments 0.5

There’s no limit to the number of Altitude Points you can earn each statement cycle when using your Altitude Business Platinum Mastercard.

A cap of 20,000 points applies when using your Altitude Business Gold Mastercard credit card in each statement cycle.

However, bonus points do not count towards the points cap.

Redeeming points and program benefits

There are a few ways you can redeem your points – it all depends on the reward you’re after. You can:

Pay with Points

This gives you an almost unlimited choice with using your points. How? Just choose any card purchase you’ve made in the last 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 have and you can 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 website

Whether it’s technology, fitness, electrical goods or movie tickets/experiences you are after – the site has many leading brands you can buy from, using your points. You can also donate to charity this way2.

Altitude Travel

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


Build up your frequent flyer points

Here you can choose to convert your points to frequent flyer points if you’re a member of one of the following programs1:

  • Qantas Frequent Flyer
  • Virgin Australia's Velocity
  • Malaysia Airline's Enrich
  • Air New Zealand Airpoints
  • Singapore Airlines KrisFlyer
  • Cathay Pacific AsiaMiles.

Virgin Australia’s Velocity Auto-Redemption

This is where you can automatically convert your points to Velocity Frequent Flyer Points. Once you set up your account, you’ll see each month on your statement date that your Altitude Points balance has automatically transferred to your Velocity Frequent Flyer Account. Conditions apply.

Top up your super

If you have a BT Super for Life you can transfer your Altitude Points for dollars into your superannuation account. Conditions apply.

Complimentary Overseas Travel Insurance

Travel knowing that you, your family (your spouse and certain dependent children) and your possessions may be covered against injury, loss, theft or damage for up to 3 months in accordance with the policy. Terms and conditions apply. (PDF 761KB)

Things you should know

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 reward points:
 You can earn and redeem Altitude rewards 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 reward 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.

Registered to BPAY Pty Ltd ABN 69 079 137 518.

Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Business Credit Cards Complimentary Insurance Policy (PDF 761KB) / Commercial Cards Insurance Policy (PDF 1MB) which may be amended from time to time. Westpac does not guarantee this insurance. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.