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Altitude Rewards Credit Cards
Westpac’s own credit card rewards program lets you earn Altitude Reward points on purchases to redeem for gift cards, cash back, with partner airlines or at our online store. Whether Platinum or Black, there’s plenty more to love beyond points and rewards.
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From 30 September 2026, we're making changes to some Westpac Credit Card fees and rates, including updates to the Rewards Points program. Find out more
From 1 October 2026, we’re making changes to the Westpac Credit Cards Complimentary Insurance Policy. Find out more
Important notice
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Check out our Altitude Rewards credit cards
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- Gift Cards - Exchange points for gift cards at David Jones, Myer, JB-Hi Fi, Bunnings and many more.
- Cashback - Let your rewards card pay for itself by redeeming your Altitude points for a rebate on your card’s annual fee.
- Something else - From cinema tickets to spa treatments, and everything in-between.
- Pay with Points, feels like free - Anywhere, Anytime Mastercard® is accepted.
Other features and benefits
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Up to 45 days interest-free - To give you more opportunity to avoid interest charges on your purchases.[#] Note cash advances aren’t covered by this interest-free period.
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No card? No problem - On top of Apple Pay, Samsung PayTM and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.
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Additional cardholder - Add 1 additional cardholder (16 years or older) at no extra cost.[#]
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Fraud protection - From verifying unusual transactions to our fraud money back guarantee, we aim to keep you protected.
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Tools to stay on top - These include options like PartPay, SmartPlan, Balance Transfers, Card Autopay and SMS payment reminders.
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Cashback and discounts - With a Westpac credit card, you'll get personalised cashback offers from Westpac Extras, Westpac bonus Cashback when you shop via the Westpac Lounge on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.
Frequently asked questions
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How many Altitude points do I earn per dollar spent?
Earn up to 2 Altitude points per $1 spent on eligible purchases† with the Altitude Rewards Platinum Card.
Earn up to 3 Altitude points per $1 spent on eligible purchases† with the Altitude Rewards Black Card.
How do I access, manage and check my Altitude Rewards points online?
To redeem, access or manage your Altitude Points, go to the Altitude website or call the Altitude Rewards Centre on 1300 887 820 (Monday - Friday, 8am - 8pm AEST, excluding National Public Holidays).
You can access the Altitude website via:
Westpac Online Banking
- Sign into Westpac Online Banking
- Go to ‘Rewards & Offers’
- Look for ‘Altitude Reward Points’, select ‘Redeem Points’ and follow the prompts.
Westpac App
- Sign into the Westpac App
- Search ‘Rewards & Offers’
- Tap ‘Altitude Reward Points’ and follow the prompts.
Can I transfer my Altitude points to partners like airlines and other loyalty programs?
Altitude Rewards points can currently be transferred to the following partners:
- Velocity Frequent Flyer
- Singapore Airlines Krisflyer
- Air New Zealand Airpoints
- Cathay Pacific Asia Miles
- Everyday Rewards
View the full Altitude Rewards product catalogue here for further information on what your Altitude Rewards points can be used for.
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Looking for Qantas or Velocity Points instead?
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Altitude Qantas
Earn Qantas Points directly to your Qantas Frequent Flyer account and enjoy Westpac credit card benefits like PartPay, Cashback offers and discounted card fees.
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Explore Qantas Rewards
Altitude Velocity
Earn Velocity Points directly to your Velocity Frequent Flyer account and enjoy Westpac credit card benefits like PartPay, Cashback offers and discounted card fees.
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Explore Velocity Rewards
Things you should know
Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com.
Read the Apple Pay Terms and Conditions before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
The Google Pay Terms and Conditions before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our Google Pay FAQs for more information. Google Pay is a trademarks of Google Inc.
Read the Samsung Pay Terms and Conditions before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our Samsung Pay FAQs for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.
Westpac Fraud Money Back Guarantee: Our Westpac Fraud Money Back Guarantee ensures that customers will be reimbursed for any unauthorised card transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the cards’ Terms and Conditions for full details, including when a customer will be liable. You should, however, make sure you only provide your card details to reputable merchants and always contact us immediately if you suspect any fraudulent activity.
Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.