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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 set period. 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 Points on eligible purchases1. Find out more about earning points.

Card type Altitude Points cap per statement cycle
Altitude 5,000
Altitude  Platinum, Altitude Platinum Plus Uncapped
Altitude Black Uncapped

Altitude Velocity

If you've chosen the Altitude Velocity program, you will earn Velocity Points on eligible purchases1. Find out more about earning points.

Card type Velocity Points cap per statement cycle
Altitude Velocity Platinum Mastercard Uncapped
Altitude Velocity Black Mastercard Uncapped

Altitude Qantas

If you've chosen the Altitude Qantas program, you will earn Qantas points1 on eligible purchases1. Find out more about earning points.

Card type Qantas Points cap
Altitude, Earth 2,500 per statement cycle
Earth Platinum, Earth Platinum Plus 3,750 per statement cycle
Earth Black, Altitude Qantas Platinum Plus (no longer for sale) Uncapped
Altitude Qantas Platinum 0.5 Qantas Points per $1 on eligible purchases, up to $100k p.a. from 1 January 2022. Points are uncapped up to 1 January 2022.1
Altitude Qantas Black 0.75 Qantas Points per $1 on eligible purchases, up to $250k p.a. from 1 January 2022. Points are uncapped up to 1 January 2022.1

For more information on upcoming Altitude Qantas Platinum and Altitude Qantas Black card caps starting from 1 January 2022 view the Westpac Notice of Change (PDF 47KB). No changes to any other card earn rates.

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.

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. Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions. You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis. Points are uncapped until 1 January 2022.

From 1 January 2022: 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. For more information view the Westpac Notice of Change (PDF 47KB).