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Rewards cards points cap

With some Westpac credit cards there’s no limit to the number of points you can earn, whereas some have a cap on the number you can earn in a month. 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 Points

If you’ve chosen an Altitude Points earning card, you’ll earn Altitude points on eligible purchases. Find out more about earning points.

Card type Altitude Points cap per statement cycle
Altitude 5,000
Altitude  Platinum, Altitude Platinum Plus 7,500
Altitude Black No points cap

The Points Cap on Altitude Points applies when using either or both MasterCard or Visa and American Express cards.

Qantas Points

If you choose to be part of the Qantas program, you will earn Qantas points on eligible purchases. Find out more about earning points.

Card type Altitude Points cap per statement cycle
Altitude, Earth 2,500
Altitude Qantas Platinum, Earth Platinum, Earth Platinum Plus, Altitude Qantas Platinum Plus 3,750
Earth Black No points cap

The Points Cap on Qantas Points applies when using either or both MasterCard or Visa and American Express cards

Do all Westpac rewards cards have a points cap?

No. You can earn an unlimited number of points with the following Westpac cards:

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
  • By shopping with bonus partners you’ll earn points over your points cap. This is because bonus points do not count towards the 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?

Any bonus points you earn with our bonus partners or through any promotions won’t count towards the points cap, so they’re a great way to boost your rewards points.

What about bonus partners?

  • 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 Qantas Points and Singapore Airlines KrisFlyer miles is determined by the airlines’ terms and conditions. Please visit their websites for details.