SEARCHING FOR SMARTER SAVINGS?
Find it in one of our Altitude rewards credit cards. To get this benefit you must apply from this page.
Important Notice
From 30 April 2026, we’re making changes to some Westpac Credit Card fees including updates to the Cash Advance Fee and Missed Payment Fee. Find out more.
Westpac Altitude Rewards
Whether you choose Platinum or Black, our Altitude Rewards credit cards have plenty of flexibility in how you use them. On top of redeeming for gift cards, travel, products from our online store or cashback, you can also exchange them for frequent flyer points with our partner airlines.
Altitude Rewards Platinum
Special offer:
Get up to 100,000 bonus Altitude Rewards Points> — 75,000 Rewards Points in year 1 if you spend $3k+ on eligible purchases† within 90 days of new card approval and an extra 25,000 points after your first eligible purchase in year 2.
Card features
- Earn up to 2 Altitude Points per $1 spent on eligible purchases †
- Complimentary insurances 4
- Up to 45 days interest-free on purchases 2
Altitude Rewards Black
Special offer:
Card features
- Earn up to 3 Altitude Points per $1 spent on eligible purchases †
- Complimentary insurances 4, airport lounge passes 3 and concierge service
- Up to 45 days interest-free on purchases 2
Westpac Low Rate card
A low ongoing purchase rate.
Please note we're required to make certain checks of you as part of the application process. You'll be required to provide documents which include proof of income and current debts and expenses, along with two forms of identification and if applicable, your visa/residency status. To help support a smooth application process, have these documents handy as you begin your application. If we need to come back to you to request additional information, be aware that this can make the process take a bit longer than usual and we appreciate your patience throughout.
Things you should know
Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.
This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
Be credit savvy: Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.
*Existing customers only – Altitude Rewards Platinum: Offer commenced 27th August 2025. First Year Card Fee Waiver is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Platinum card before the offer is withdrawn. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.
>>Existing customers only – Altitude Rewards Black: Offer commenced 27th November 2025. First Year Card Fee Waiver is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.
>Altitude Rewards Platinum Bonus Points Promotion: Offer commenced 27th August 2025. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card before the offer is withdrawn. You will receive an initial 75,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 25,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 75,000 bonus points only. However, you are still eligible for the additional 25,000 bonus points in the second year if you continue to use your card. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
^Bonus Altitude Points Promotion Altitude Black: Offer commenced 27th November 2025. To be eligible for bonus Altitude Reward Points, you must apply and be approved for a new Altitude Black Rewards credit card before the offer is withdrawn. You will receive an initial 100,000 bonus points if you spend $12k or more on eligible purchases within 12 months from card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You'll receive an additional 100,000 bonus points in the second year if you spend a minimum of $12k on eligible purchases within the subsequent year. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
†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.
Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 117KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 117KB). 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.
Altitude Rewards: You must be a member of the relevant transfer partner program to redeem Altitude Points for that partner's rewards or frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant transfer partner programs apply. A joining fee may apply. For more information on the Altitude Rewards program, visit altituderewards.com.au.
3. Complimentary Lounge Passes
Priority Pass Membership: Complimentary Pass membership is available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. It requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional member/guest visit fee, which can be found on the Priority Pass website https://www.prioritypass.com/join-prioritypass. The additional fee will be automatically charged to the primary cardholder's Altitude Black card. A Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.
Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through prioritypass.com/westpacblack. The Primary Cardholder receives two complimentary visits in any 12-month period, one of which may be used by an accompanying guest. Subsequent visits in the 12-month period incur an additional cost, currently US$32 per person, per visit, which will be automatically charged to the primary cardholder's Altitude Black card. A Westpac Foreign Transaction Fee will apply to the conversion amount. Unused visits expire and cannot be carried forward to any subsequent year. Visit the Contact Us page on www.prioritypass.com for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.
4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), 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 persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the Complimentary Insurance Policy Information booklet (PDF 898KB) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.
<Low Rate Cashback promotion: Offer commenced 1 July 2025. The up to $350 cashback offer is available when you apply and are approved for a new Low Rate credit card before the offer is withdrawn. $50 cashback will be awarded for every month (statement period) $1k or more is spent on eligible purchases for 7 consecutive statement periods. The first eligible spend period will commence from the day your account is opened, up to the end of your second statement period. After this date, the second eligible spend period will commence and the offer spend requirements will align to each statement period thereafter for the remaining of the 6 consecutive statement periods. Eligible purchases made in one statement period do not contribute to subsequent statement period offer eligibility. Eligible purchases do not include interest, fees, 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 to the card account. Cashback is only available on one credit card account per customer. $50 cashback will be paid as a statement credit to your Low Rate credit card account within 90 days of meeting the minimum spend criteria. Current Westpac credit card customers or customers who have held a Westpac credit card in the last 24 months are not eligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
**Low Rate Balance Transfer promotion: Offer commenced 27th August 2025. This offer is available when you apply for a new Low Rate credit card before the offer is withdrawn, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit or store cards. Your current credit card issuer must accept BPAY payments to be eligible, you can check your credit card statement for payment options. The promotional rate will apply to balance(s) transferred (min $200 up to 80% of your approved available credit limit) for the promotional period. Activating your card triggers the processing of the balance transfer. A balance transfer fee of 3% of the transferred balance(s) will apply to balance(s) transferred to the Westpac Low Rate credit card. The balance transfer fee will be charged to the card account on the same day the balance(s) are debited to the account. The applicable variable cash advance rate will apply to any unpaid balance transfer amount remaining at the end of the promotional period unless the amount is paid off earlier. Westpac will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). If your account has an interest free period for purchases, to be entitled to that interest free period, you need to pay off the 'Monthly Payment Balance' listed on your statement of account (not the full closing balance) by the relevant payment due date. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
^^Existing customers only - Low Rate First Year Card Fee Waiver: Offer commenced 27th August 2025. First Year Card Fee Waiver is available for existing Westpac customers when you apply and are approved for a new Low Rate credit card before the offer is withdrawn. After the first year, the $59 card fee will be debited to your account annually on the 12-month anniversary of the Card Fee date. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.
2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.
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