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Pay with Points anywhere Mastercard® is accepted

There’s something wonderful about points. You’ve worked hard to earn them, and when you spend them, it doesn’t feel like you’re spending money, it just feels free.

Pay with Points gives you the flexibility and freedom to use your points on everyday items – from your morning coffee to your grocery shop. You can use your Altitude points anywhere and everywhere Mastercard is accepted*.


Your most flexible points

Points on, points off

Instantly switch Pay with Points on and off in the Westpac App.

Spend ‘em if you got ‘em

If you've got $3 of points or more, then you can spend them anywhere Mastercard is accepted. Your move.

Anywhere, anytime

Brunch, baguettes, or a box of chocolates, spend your points on anything.

Points forever, no cap

There’s no limit on how many points you can spend in one go and they don’t expire.


So how does it work?

1. Switch it on in the Westpac App
Activate it for your next purchase as a one-off or for all eligible purchases. You’ll need at least $3 of points available.

2. Shop
Spend with your Altitude Rewards card on any purchase of $3 or more.

3. Get a credit
You’ll get a credit back for the amount of points used^.

Get up to 120,000 bonus Altitude Rewards Points

Already with Westpac? Sign in and apply to get your first year card fee waived

Get up to 120,000 bonus Altitude Rewards Points> — 90,000 Rewards Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2.

Plus, a reduced first year card fee of $49 (reverts to $175 thereafter). Already with Westpac? Sign in and apply and we’ll waive your first year card fee>>>.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

Frequently asked questions

You will be refunded for your purchase by the merchant back into your credit card account. As you've already received your Pay with Points cashback, your Altitude Points will not be reimbursed.

Things you should know

Credit Card Terms and Conditions (PDF 264KB)

Altitude Terms and Conditions (PDF 117KB)

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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

*The earning and redemption of Altitude Points are subject to the  Altitude Terms and Conditions (PDF 117KB). Purchases that are not eligible to earn Altitude 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.

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

^You will receive a credit (cashback) to your account shortly after making an eligible purchase. This amount is applied to your credit card balance and will appear on your statement as a separate transaction. Your Rewards Available figure is based on your current balance and our current conversion rate, which we may change from time to time. 

>Altitude Rewards Platinum Bonus Points Promotion: To be eligible for up to 120,000 bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card between 2nd November 2023 and 31st July 2024. You will receive an initial 90,000 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 30,000 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 90,000 bonus points only. However, you are still eligible for the additional 30,000 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 12 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.

Reduced First year Card Fee for Altitude Rewards Platinum: The discounted first year Card Fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum card between 2nd November 2023 and 31st July 2024. After the first year, the Card Fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. 

>>> Existing customers only - Altitude Rewards Platinum First Year Card Fee Waiver: is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Platinum credit card between 2nd November 2023 and 31st July 2024. 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.

†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.