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Smart ways to redeem Altitude Points

Altitude Points can add up pretty quickly on your rewards card, especially if you are using your card to the best of your advantage, so why not make your points work even harder for you? Altitude Points can be used for much more than just shopping and travel and could even help get you ahead financially.


Pay with Points

Pay with Points allows you to select a card purchase you have made in the last 90 days (excluding BPAY® transactions) to redeem your Altitude Points for a statement credit to the value of that purchase, lowering your card balance.* That means you can use your points on almost anything.

Cash Back

Choosing to redeem your Altitude Points for cashback means your  points can go towards reducing your card balance. You can choose to redeem increments of $50, $100, $500 and $1000, which will then be automatically credited to your card account.

Donate your points to charity

Westpac are committed to empowering Australians to create stronger, more prosperous communities and are proud to work with a wide range of charities. You can choose to redeem your Altitude Points for a donation to over 10 different charities including the Westpac Rescue Helicopter and Surf Life Saving Australia.

Annual fee rebate

Let your rewards card pay for itself by redeeming your Altitude points for a rebate on your card’s annual fee. Annual fee rebates are available for all of the Westpac Rewards Cards and you can redeem points for cash increments of $25, $75, $100, $125 and $150.

Gift Cards

Redeeming your points for gift cards is also a great way to get the most out of your points. We offer gift cards from a range of stores including David Jones, Myer, JB-Hi Fi, Woolworths, Bunnings, Ampol and many more. Use your gift card to cover some of your usual expenses, such as your weekly grocery shop or to refuel your car. You can also push your dollar even further by using your gift cards at your favourite department store during sale time to snag a real bargain. Don’t have time to wait for a gift card to be delivered? Make sure you also check out the range of eGift Cards.

Visit the Altitude website for all terms and conditions, and remember to pay off your monthly balance to ensure you are getting the most out of your card and not negating the benefits by paying interest.

How to redeem your Altitude Points

To redeem 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

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

Westpac App

  1. Sign into the Westpac App
  2. Search ‘Rewards & Offers’
  3. Tap ‘Altitude Reward Points’ and follow the prompts.


Things you should know

Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited. For more information on the Altitude Rewards program, visit

Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program fee applies for customers who choose this option.

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.


Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

*Pay with Points allows you to redeem your Altitude points for statement credits to your credit card account to the value of any card purchases (excluding BPAY transactions) that you have made in the last 90 days. The statement credit will not contribute to your minimum monthly payment nor necessarily pay off the specific purchase you select. The statement credit will be applied to your card account in accordance with your card's Conditions of Use. See for full terms and conditions.


© Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. The Westpac Group, 275 Kent Street, Sydney, NSW 2000, AUSTRALIA.