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

Credit Card Hacks- Smart ways to earn rewards points

A credit card with a rewards program is a great way to get the most out of your everyday purchases. Points can be accrued on eligible purchases and redeemed for a wide range of products and services. Here at Westpac, we offer three types of rewards - Altitude Rewards, Altitude Velocity or Altitude Qantas, so you can choose a program that best suits you and, with a little bit of forethought, you could be well on the way to your next holiday or shopping spree.

Choose a rewards card with the best options

Choosing the right type of rewards card for your spending style is the best way to ensure you are leveraging your card to the best of its ability. Look for offers upon opening a new account such as bonus points, 0% balance transfers and waived annual fees to get an extra boost.

We offer two types of rewards cards to help you find the perfect fit.

Altitude Platinum Credit Card

The Westpac Altitude Platinum card comes with a larger range of benefits and offer 1 Altitude Point per $1 spent on eligible purchases made with the Altitude Platinum Mastercard or 0.5 Qantas or Velocity Point per $1 spent on eligible purchases. Qantas Points are capped on eligible purchases at $100,000 p.a. (excluding bonus points).6

Altitude Black Credit Card

The Westpac Altitude Black card is our most rewarding card and offers up to 1.25 Altitude Points for every $1 spent on eligible purchases made with the Westpac Altitude Black Mastercard or 0.75 Qantas or Velocity Points per $1 spent on eligible purchases. Qantas Points are capped on eligible purchases at $250,000 p.a. (excluding bonus points).6

Use your credit card for everyday purchases

Putting petrol in your car? Rewards card. Doing your weekly shopping? Rewards card. Heading to the movies? Rewards card. Using your rewards card for everyday purchases will go a long way for building your points balance.

Always pay your credit card on time

Maintaining good financial hygiene is always a good idea, but what you may not know is that reward point accrual may be put on hold if you don’t pay your account on time. Try out Westpac Autopay, our automatic credit card payment system to avoid missing out on points.

Have an additional cardholder

Points can also be rewarded for spends made by additional cardholders, so why not consider adding an additional cardholder to your account, who will help build up your points balance. It is free to add an additional cardholder and it can be activated through your online banking.

Ready to redeem your points? Visit the Altitude store and start rewarding yourself today.



Things you should know

†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 141KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 141KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount.​ Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

For Altitude Qantas Platinum cards, earn 0.5 Qantas Points per $1 up to a maximum of $100,000 spent on eligible purchases annually. For Altitude Qantas Black cards, earn 0.75 Qantas Points per $1 up to a maximum of $250,000 spent on eligible purchases annually. This annual limit resets in January each year, based on your statement date. Bonus Points earned are not part of your annual cap.

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