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Westpac Altitude Rewards

Westpac's own Altitude Rewards program gives you plenty of opportunity to earn extra points, and flexibility in how you can use them. Head to our online store to choose from retail gift cards, hundreds of products, cashback or to transfer your points to one of our frequent flyer partner airlines. Alternatively, take advantage of our Pay with Points feature. Just as important, Altitude’s Accelerated Earn lets you earn points at a higher rate with select partners and airlines.

There's no annual rewards fee for this program.

Altitude Qantas

With an Altitude Qantas Rewards credit card, you earn Qantas Points credited directly into your Qantas Frequent Flyer account. You can then use those frequent flyer points as you would any other Qantas Points - choosing from a range of rewards including flights, upgrades, or from over 250 stores at the Qantas Shopping Mall.

A $50 annual Altitude Qantas Rewards fee applies.

Altitude Velocity

Earn Velocity points which are credited directly into your Velocity Frequent Flyer Account. Then redeem those frequent flyer points as you would any other Velocity Points, for flights, upgrades, shopping and more. 

A $50 annual Altitude Velocity Rewards fee applies to this program.

 

Westpac Altitude Rewards

Whether you choose Platinum or Black, our Altitude Rewards credit cards let you earn extra points with our Accelerated Earn partners1 - and 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.

Curious about what’s available? Take a sneak peek.

Westpac Altitude Platinum credit card

Altitude Rewards Platinum

$150 Ongoing annual card fee
19.99% p.a. Variable purchase rate
$6,000 Minimum credit limit
$30,000 p.a. Minimum income required

Includes Complimentary International Travel and purchase insurances4

Points earn rates
2 or 3  Points per $ spent with our select partners1
1 Points6 per $ on all other eligible purchases

 Special offer:

110,000 bonus Altitude Rewards Points with $3k+ spend on eligible purchases† within 90 days of card approval>.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Plus, a reduced first year card fee of $49 ($150 thereafter)*

Already with Westpac? Sign in to 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.

Westpac Altitude Black credit card

Altitude Rewards Black

$250 Ongoing annual card fee
19.99% p.a. Variable purchase rate
$15,000 Minimum credit limit
$75,000 p.a. Minimum income required

Includes Complimentary insurances4, lounge passes3 & concierge service

Points earn rates
2 or 6  Points6 per $ spent with our select partners1
1.25 Points6 per $ spent on all other eligible purchases.

 Special offer:

140,000 bonus Altitude Rewards Points with $6k+ spend on eligible purchases within 120 days of card approval^.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Plus, a reduced first year card fee of $99 ($250 thereafter)##.

Already with Westpac? Sign in to apply for a $49 card fee for the first year ($250 thereafter)**.

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.

Reward yourself sooner with Accelerated Earn

Another key difference is with Altitude Rewards, you’ll earn points quicker by using your card with our Accelerated Earn partners1, including: 

 


 

Altitude Qantas

Whether you prefer our Platinum or Black credit card, you can earn Qantas Points directly into your Qantas Frequent Flyer account - ready to use as you would your other Qantas Points. Pick from upgrades, flights, hotels, travel, food and wine-related, or from over 250 stores at the Qantas Shopping Mall.

A $50 annual Altitude Qantas Rewards fee applies.

Westpac Altitude Platinum credit card

Altitude Qantas Platinum

$150 Ongoing annual card fee
$50 Annual Altitude Qantas program fee
19.99% p.a. Variable purchase rate
$6,000 Minimum credit limit
$30,000 p.a. Minimum income required

Includes Complimentary International Travel and purchase insurances4

Points earn rates
0.5 pts/$ Spent on all eligible purchases, up to $100,000 p.a.6

 Special offer:

75,000 bonus Qantas Points with $4k+ spend on eligible purchases within 90 days of card approval++.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Plus, a reduced first year card fee of $49 ($150 thereafter)*

Already with Westpac? Sign in to apply and we’ll waive your first year card fee>>>.

$50 annual Qantas rewards fee applies. 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.

Westpac Altitude Black credit card

Altitude Qantas Black

$250 Ongoing annual card fee
$50 Annual Altitude Qantas program fee 
19.99% p.a. Variable purchase rate
$15,000 Minimum credit limit
$75,000 p.a. Minimum income required

Includes Complimentary insurances4, lounge passes3 & concierge service

Points earn rates
0.75 pts/$ Spent on all eligible purchases, up to $250,000 p.a.6

 Special offer:

Up to 120,000 bonus Qantas Points with $4k+ spend on eligible purchases within 90 days of card approval~.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Already with Westpac? Sign in to apply to save $100 on your first year card fee ($250 thereafter)<.

$50 annual Qantas rewards fee applies. 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.


 

Altitude Velocity

Pick either our Platinum or Black credit card and you can choose to earn points directly into your Velocity frequent flyer account. Then use those points as you would your other Velocity Points - flights or upgrades with Virgin Australia or one of their travel partners (including partner airlines). Alternatively, head to the Velocity Reward store or the Velocity Wine Store by Laithwaites.

Altitude Velocity Platinum

$150 Ongoing annual card fee
$50 Annual Altitude Velocity program fee
19.99% p.a. Variable purchase rate
$6,000 Minimum credit limit
$30,000 p.a. Minimum income required

Includes Complimentary International Travel and purchase insurances4 & Economy X Seat Upgrade Vouchers7

Points earn rates
0.5 pts/$ Spent on all eligible purchases6

 Special offer:

75,000 bonus Velocity Points with $4k+ spend on eligible purchases within 90 days of card approval++.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Plus, a reduced first year card fee of $49 ($150 thereafter)*

Already with Westpac? Sign in to apply and we’ll waive your first year card fee>>>.

$50 annual Velocity rewards fee applies. 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.

Altitude Velocity Black

$250 Ongoing annual card fee
$50 Annual Altitude Velocity program fee 
19.99% p.a. Variable purchase rate
$15,000 Minimum credit limit
$75,000 p.a. Minimum income required

Includes Complimentary insurances4, lounge passes3, Economy X Seat Upgrade Vouchers7 & concierge service

Points earn rates
0.75 pts/$ Spent on all eligible purchases6

 Special offer

Up to 120,000 bonus Velocity Points with $4k+ spend on eligible purchases within 90 days of card approval~.

0% p.a. for 24 months on balance transfer>> when requested at card application. 1% balance transfer fee applies. After 24 months, rate reverts to the variable cash advance rate of 21.49% p.a.

Already with Westpac? Sign in to apply to save $100 on your first year card fee ($250 thereafter)<.

$50 annual Velocity rewards fee applies. 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.


Get more out of your rewards or frequent flyer credit card

Rewards and frequent flyer credit cards often come with a range of attractive benefits and bonuses. Here are three tips to help you do just that.

 

Rather than change the way you spend to make the most of a rewards card, choose the card that best compliments your lifestyle. For instance, you shouldn't have to change your spend to maximise the points earn. Likewise, you should be able to redeem on rewards you actually want.

The first step is choosing the program. The Westpac Altitude Rewards program gives you more choice with redeeming – from store gift cards to airline points, and an accelerated points earn on select partners. Alternatively, Qantas Frequent Flyers might prefer our Altitude Qantas Rewards Program, or Velocity Frequent Flyers may want our Altitude Velocity Rewards Program.

From there, it’s the tier of card you want. Our platinum cards offer a balance of lower costs and great extras like insurance, while for a higher annual fee, our black cards offer even more benefits.


Prefer a Low Rate or Low Fee card?

Need help with credit cards?

Things you should know

Credit criteria, fees and charges apply. 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.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Terms and Conditions and the terms and conditions of the relevant frequent flyer program apply. A joining fee may apply. Availability of Reward flights may be limited.

Altitude Velocity or Qantas: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $50 Rewards fee applies for customers who choose this option.

†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.

<<< Accelerated Earn - Shop, Stream, Ride and Stay: Applies only to domestic spend made in Australian dollars or any other currency (and converted to Australian dollars) using your card or card account with a Merchant who is located in Australia. Excludes Westpac Altitude Qantas and Westpac Altitude Velocity. Participating merchants are subject to change.

>Altitude Rewards Platinum Bonus Points Promotion: To qualify for the bonus points you must apply and be approved for a new Altitude Rewards Platinum card between 24th February 2021 and 30th June 2022 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Rewards Platinum card within 90 days from card approval in one or more transactions. 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. The bonus Altitude Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. 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. 

++Bonus Qantas or Velocity Points Promotion Altitude Platinum: To qualify for the bonus points you must apply and be approved for a new Altitude Qantas Platinum or Altitude Velocity Platinum card between 19th October 2021 and 30th June 2022 and spend the minimum amount of $4,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. 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. The bonus points depend on your choice of Rewards Program. The bonus Velocity Points or Qantas Points will be added to your points balance within 12 weeks once you meet the eligible spend criteria. 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. Velocity Points or Qantas Points earned during a statement cycle are added to your Velocity or Qantas Points balance on a monthly basis.

^Bonus Altitude Points Promotion Altitude Black: To qualify for the bonus point promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 24th March 2022 and 30th June 2022, and spend $6,000 or more on eligible purchases within 120 days of card approval in one or more transactions. 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. The bonus Altitude points will be added to your account within 12 weeks once you’ve met the eligible spend criteria. 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.

~ Bonus Qantas or Velocity Points Promotion Altitude Black: To be eligible for up to 120,000 bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Black credit card between 19th October 2021 and 30th June 2022.
You will receive an initial 90,000 bonus points if you spend $4,000 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.
Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity 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.

>>Altitude Platinum and Altitude Black Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum or Altitude Black credit card between 19th October 2021 and 30th June 2022, and request at card application to transfer balance(s) from up to 3 non-Westpac Australian issued credit, charge or store cards. A balance transfer fee of 1% will apply to balance(s) transferred to a new Altitude Platinum or Altitude Black 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 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. 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.

*Reduced First year Card Fee for Altitude Platinum: The discounted first year card fee of $49 is available when you apply and are approved for a new Altitude Platinum card between 19th October 2021 and 30th June 2022. After the first year, the $150 card fee applies and will be debited to your card account on the 12-month anniversary of the first transaction on your account and annually thereafter. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

>>> First-Year Card Fee Waiver - Existing customers only: is available when you apply and are approved for a new Altitude Platinum credit card between 19th October 2021 and 30th June 2022. After the first year, the $150 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account. A $50 rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

##Reduced First year Card Fee for Altitude Rewards Black: The discounted first year card fee of $99 is available when you apply and are approved for a new Altitude Rewards Black credit card between 24th March 2022 and 30th June 2022. After the first year, the $250 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.

**Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black: The discounted first year card fee of $49 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card between 24th March 2022 and 30th June 2022. After the first year, the $250 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.

<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black: The discounted first year card fee of $150 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card between 19th October 2021 and 30th June 2022. After the first year, the $250 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.

1. Accelerated Earn - Flights: Earn 6 points per dollar on the first $10,000 spent on flights per calendar month, then 1.25 points per $1 spent thereafter on the Altitude Black Mastercard. Or earn 3 points per dollar on the first $10,000 on flights per calendar month, then 1 point per $1 spent thereafter on the Altitude Platinum Mastercard. Points earn applies to flights purchased in Australia directly with the above listed participating airlines using your Altitude Black Mastercard or Altitude Platinum Mastercard. Excludes flights not purchased directly with the participating airlines for example flights purchased through a travel agent, online aggregators or other airlines such as a code-share etc. Excludes Altitude Qantas, Altitude Velocity and Visa cards. Participating airlines are subject to change.

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 395KB) 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.

Qantas products and services: Selected Qantas products and services are Qantas passenger flights with a QF flight number purchased directly from Qantas.com; Qantas Frequent Flyer and Qantas Club membership joining and/ or annual fees. For full Qantas Frequent Flyer Terms and Conditions, visit Qantas.com/terms.

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 98KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 98KB). 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.

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.

Concierge Services for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit westpac.tenconcierge.com

3. Complimentary Lounge Passes

Priority Pass Membership: Complimentary Priority 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 cost, currently US$32 per person, per visit, which 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.

Qantas Club Complimentary Lounge Invitations: As a Westpac Altitude Black card cardholder earning Qantas Points, you are eligible for two Qantas Club Complimentary Invitations within each 12-month period of your anniversary registration date when you register your Altitude Black card via loungepass.altitudeblack.com.au and use your card in Australia to purchase selected Qantas products and services. Selected Qantas products and services are the following items purchased directly from Qantas: Qantas passenger flights (with a QF flight number), Qantas Frequent Flyer and Qantas Club membership joining and annual fees. Excludes Jetstar, Qantas Holidays, Qantas branded non-airfare products and any Qantas products and services not purchased directly from Qantas.

The Qantas Club Complimentary Invitations will be made available within 14 business days of meeting eligible spend via the Qantas Complimentary Invitations Portal, provided you are not in breach of the Credit Card Terms and Conditions (PDF 200KB) and your account remains open. Log in to the portal using your Qantas Frequent Flyer account to access your invitation, link it with an eligible Qantas flight booking, or to find out more information. To receive your Complimentary Invitations, you must have provided Westpac with your Qantas Frequent Flyer Number. If you have not yet registered for your complimentary Qantas Frequent Flyer Membership, you may join at qantas.com/joinffwestpac.

Qantas Club Complimentary Invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated International Business Lounges only (excluding Los Angeles Tom Bradley Airport lounge). Not valid in International First Class lounges, Chairman's Lounge, Qantas Domestic Business, Qantas oneworld® alliance airline, partner airline or associated lounges. Each invitation is valid for a single visit before the expiry date specified on the invitation, when travelling with Qantas or Jetstar with a Qantas (QF) or Jetstar (JQ, 3K, GK, BL) flight number. Qantas Club Complimentary Invitations must not be resold. Qantas reserves the right to cancel invitations and disqualify future invitations that are in breach of this policy.

Access and use is subject to Qantas Club rules which are available at qantas.com/qantasclub. Access may not be available if the applicable lounge is full or near capacity, at the full discretion of lounge staff. Access and use of Qantas Club lounges is subject to Qantas Club terms and conditions.

Virgin Australia Domestic Lounge Passes Two complimentary single-entry Virgin Australia Domestic Lounge Passes are available to Westpac Altitude Velocity Black Mastercard cardholders each year. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions (PDF 98KB), you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia every year on your Altitude Velocity Black Mastercard from your card open date. You will become eligible upon card activation in your first year and then each anniversary thereafter. Virgin Australia Lounge Passes are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting eligible spend. Virgin Australia lounge is operated by Virgin Australia Airlines Pty Ltd in selected domestic airport locations and entry is subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia Lounge Terms and Conditions which are subject to change from time to time.