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Take your points to a higher altitude.

You can accept your complimentary upgrade by activating the card(s) you’ll receive in the mail in November.

Westpac Altitude Black MasterCard rewards card

What does this mean for you and your account?

Our rewards credit cards are changing.

On 1 July 2017, the Reserve Bank of Australia introduced new regulations which affect all credit cards issued by Australian banks, particularly American Express cards. As a result, Westpac has reviewed its rewards cards and will close all Westpac-issued American Express cards from 4 April 2018.

If you have an Earth Platinum Plus American Express® Card linked to your card account, you can continue to use it as usual, until 4 April 2018, with no change to the number of points you earn on eligible purchases. However, if your card is due to expire in March 2018, your  Earth Platinum Plus American Express card will not be renewed, and will close slightly earlier.

As a valued customer, you deserve additional benefits.

We understand the effect these changes may have and value you as a customer, so would like to offer you a complimentary upgrade from Earth Platinum Plus to our Altitude Black credit card. In addition to travel, transit accident and extended warranty insurances, Altitude Black will bring you access to a number of great new benefits, including:

  • complimentary Qantas Club Lounge invitations – up to 2 per year
  • a higher points earn rate of 0.625 Qantas Points/$1 on your Altitude Black Mastercard until 4 April 2018, and 0.75 Qantas Points/$1 thereafter
  • unlimited points earn on eligible purchases

There will be no change to your annual card fee, interest rate, PIN and credit limit as a result of this upgrade.
If you choose not to activate your new Altitude Black cards, you can continue to use your Earth Platinum Plus cards as usual. Below, we’ve outlined what will change for both your current and new cards, should you choose to activate them when they arrive in November.

Changes to Earth & Altitude Black.

Existing Earth Platinum Plus account.

Qantas Points
Earned per $1 spent on eligible purchases
4 April 2018
Mastercard 0.5 (no change) 0.5 (no change)
American Express Card 1.25 Closed
Points cap (per statement cycle) 3,750 3,750


New Altitude Black account.

Qantas Points
Earned per $1 spent on eligible purchases
4 April 2018
Mastercard 0.625 0.75
American Express Card 1.25
Points cap (per statement cycle) Uncapped Uncapped


Frequently asked questions.


Here are some FAQs to help you:

Why am I being upgraded?
Will there be any additional fees as a result of the upgrade?
Will my card numbers and expiry dates change?
How do I activate my replacement card?
When I activate my replacement card, what happens to my existing credit card account balance and any balance transfer amounts?
Will I still have access to my past statements through Westpac Live Online Banking?
Will I need to change my existing automatic payments to merchants or BPAY®?
What about my Card Autopay arrangement to pay down my credit card balance?
Will my statements change?
Will the monthly repayment date on my statement remain the same?
What should I do with my current cards?
What happens if I don’t want the replacement cards?
Why will my existing Westpac-issued American Express card no longer be available?
If I don’t currently have a Westpac-issued American Express Card linked to my card account, can I still request one?
What happens if I have switched rewards program or changed credit cards recently?
Things you should know

Consumer Credit Cards - Conditions of Use (PDF 280KB)

Terms and conditions, fees and charges apply. These may change or we may introduce new ones in the future.

Qantas Points: The earning and redemption of Qantas Points on Earth cards is subject to the Earth Conditions of Use and the earning and redemption of Qantas Points on Altitude cards is subject to the Altitude Terms and Conditions. You must be a member of the Qantas Frequent Flyer program to earn and redeem points in accordance with the terms and conditions of the Qantas Frequent Flyer program. You do not receive points if your card account is in arrears and in other circumstances. Bonus points do not count towards the points cap.

Complimentary insurance: AWP Australia Pty Ltd (trading as Allianz Global Assistance), ABN 52 097 227 177, AFSL 245631 under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 has issued a group policy to Westpac which provides cover to eligible Westpac account and card holders. The terms, conditions, limits and exclusions of the policy are available at or by calling 1300 130 961. Westpac does not guarantee the insurance.

Qantas Club Lounge Invitations: To be eligible for the two complimentary annual Qantas Club Lounge invitations, you need to first register at and then use your Altitude Black 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. Each year, you’ll receive two complimentary lounge invitations once you have made the required spend on selected Qantas products and services. Qantas Club Lounge invitations are provided courtesy of Westpac, and are valid for Qantas Club and Qantas operated international Business Lounges only. 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 date specified on the invitation, when travelling with Qantas or Jetstar with a QF or JQ flight number. Access and use is subject to Qantas Club rules, which are available at The two Qantas Club Lounge invitations will expire on the date printed on the invitations. Qantas Club Lounge invitations won’t be issued to customers who don’t firstly register at prior to making the eligible card spend.

American Express Card is issued by Westpac Banking Corporation pursuant to a license from American Express. World Mastercard®, Mastercard® and the Mastercard brand mark are registered trademarks, and PayPass is a trademark of Mastercard International Incorporated.