With most Westpac credit cards there’s no limit to the number of points you can earn, whereas some reduce the points earn rate per dollar once you reach the spend threshold within your statement cycle. If you think you’d like to maximise your points earning potential, you could consider switching to a different Rewards card where you can even use your rewards points to cover your annual fee.
Altitude Rewards
If you've chosen the Altitude Rewards program, you'll earn Altitude Points1 on eligible purchases†. Find out more about earning points.
| Card type | Spend threshold per statement cycle |
|---|---|
| Altitude Mastercard (no longer for sale) | 5,000 |
| Altitude Rewards Platinum | $5,000 then you will earn 0.5 points per $1 on further eligible purchases† |
| Altitude Rewards Black | $10,000 then you will earn 0.5 points per $1 on further eligible purchases† |
Altitude Velocity
If you've chosen the Altitude Velocity program, you will earn Velocity Points1 on eligible purchases†. Find out more about earning points.
| Card type | Spend threshold per statement cycle |
|---|---|
| Altitude Velocity Platinum | $5,000 then you will earn 0.2 points per $1 on further eligible purchases† |
| Altitude Velocity Black | $10,000 then you will earn 0.25 points per $1 on further eligible purchases† |
Altitude Qantas
If you've chosen the Altitude Qantas program, you will earn Qantas points1 on eligible purchases†. Find out more about earning points.
| Card type | Spend threshold per statement cycle |
|---|---|
| Altitude Qantas Platinum | $5,000 then you will earn 0.2 points per $1 on further eligible purchases† |
| Altitude Qantas Black | $10,000 then you will earn 0.25 points per $1 on further eligible purchases† |
Do all Westpac rewards cards have a points cap?
No. You can earn an unlimited number of points with the following Westpac cards:
- Altitude Rewards Platinum
- Altitude Velocity Platinum
- Altitude Platinum Plus (no longer for sale)
- Altitude Rewards Black
- Altitude Velocity Black
- Altitude Qantas Platinum
- Altitude Qantas Black
- Earth Black (no longer for sale)
- Singapore Airlines Westpac Platinum (no longer for sale).
How can I maximise my points earning potential ?
- Know when your statement cycle begins and ends so you can time any big ticket purchases (you’ll find the details on your statement).
- You could consider switching to a credit card without a points cap.
What is a statement cycle?
The period from one statement date to the next statement date is called the monthly statement cycle. The statement date is the date your statement is issued.
When do points expire?
- Altitude points have no expiry date as long as you have an Altitude account.
- Once your account is closed you have 90 days to redeem your Altitude Points.
- The expiry of Velocity Points, Qantas Points and Singapore Airlines KrisFlyer miles is determined by the airlines’ terms and conditions. Please visit their websites for details.
What about bonus points?
Any bonus points you earn through any promotions won't count towards the points cap, so they're a great way to boost your rewards points.
1.
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.
†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.