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Westpac Altitude Rewards

Westpac's own Altitude rewards program gives you plenty of flexibility in how you can use your points.

Choose from retail gift cards, cashback, a range of partner airlines, our own online store or our unique ‘Pay by Points’ feature. Just as important, you can earn points at a higher rate with select merchants 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 Frequent Flyer account.

You can then use your points to choose from a range of rewards including flights, upgrades, or at 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 points for flights, upgrades, shopping and more. 

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

 

Westpac Altitude Rewards

Westpac's own Altitude rewards program gives you plenty of flexibility in how you can use your points.

Choose from retail gift cards, cash back, a range of partner airlines, our own online store or our unique ‘pay by points’ feature. Just as important, you can earn points at a higher rate with select merchants and airlines.

There's no annual rewards fee for this program. 

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:

Earn 130,000 bonus Altitude Rewards Points and a balance transfer offer for 24 months.

Plus, a reduced first year annual card fee of $49.

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

Offer not available if you've held a Westpac rewards card 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:

Earn 180,000 bonus Altitude Rewards Points.

Plus, a balance transfer offer for 24 months.

Plus, $99 annual card fee for the first year ($250 thereafter).

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

Offer not available if you've held a Westpac rewards card in the last 12 months. T&Cs apply.

Earn more points on your spend

Another key difference is with Altitude Rewards, you’ll earn extra points for using your card with select partners, including:


 

Altitude Qantas

With an Altitude Qantas Rewards credit card, you earn Qantas Points credited directly into your Frequent Flyer account.

You can then use your points to choose from a range of rewards including flights, upgrades, or at over 250 stores at the Qantas Shopping Mall.

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:

Earn 75,000 bonus Qantas Points and a balance transfer offer for 24 months.

Plus, $49 annual card fee for the first year ($150 thereafter).

Already with Westpac? Sign in to apply and we’ll waive your Annual Card Fee for the first year. A $50 annual Qantas rewards fee still applies.

Offer not available if you've held a Westpac rewards card 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:

Earn up to 120,000 Qantas Points.

Plus, a balance transfer offer for 24 months.

Already with Westpac? Sign in to apply to get $100 off on your first year annual card fee. A $50 annual Qantas rewards fee still applies.

Offer not available if you've held a Westpac rewards card in the last 12 months. T&Cs apply.


 

Altitude Velocity

Our Altitude Velocity program earns you Velocity Points which go directly into your Velocity Frequent Flyer account. Redeem them for flights, upgrades, shopping and more.

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:

Earn 75,000 bonus Velocity Points and a balance transfer offer for 24 months.

Plus, $49 annual card fee for the first year ($150 thereafter).

Already with Westpac? Sign in to apply and we’ll waive your Annual Card Fee for the first year. A $50 annual Velocity rewards fee still applies.

Offer not available if you've held a Westpac rewards card 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

Earn up to 120,000 Velocity Points.

Plus, a balance transfer offer for 24 months.

Already with Westpac? Sign in to apply to get $100 off on your first year annual card fee. A $50 annual Velocity rewards fee still applies.

Offer not available if you've held a Westpac rewards card in the last 12 months. T&Cs apply.


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.

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 304KB) 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. 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).

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 qantaspoints.com/ffjoinwestpac.

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 Black Mastercard cardholders earning Velocity Points through the Altitude Velocity rewards program. 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, 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 Black Mastercard from your card open date. 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 available at virginaustralia.com/au/en/experience/at-the-airport/lounge/# locations and entry are subject to the Westpac Altitude Velocity Black Mastercard Lounge Pass Conditions and Virgin Australia lounge Terms and Conditions, available at experience. velocityfrequentflyer.com/partners-offers/credit-cards-bankinginsurance/westpac and is subject to change from time to time.