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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:

Your Annual Card Fee will reflect your Earth Platinum Plus Annual Card Fee.

Yes. Your replacement Altitude Black cards will have different card numbers and expiry date.

To activate your new Altitude Black cards visit or call 1300 308 930.

Your credit card account balances and any balance transfers on your current card account will be transferred to the replacement Altitude Black account. The same variable interest rates and promotional period will apply to the balances transferred across.

Yes. You’ll still be able to view your past statements on your current Earth Platinum Plus card account, under Statements > Closed Accounts. Any statements from the past 7 years can also be ordered by calling the Black Priority Service line on 1300 651 999 (charges may apply). Remember to download and save your statements for your records.

Yes. If you have recurring automatic payments set up on your current cards to pay off merchant bills, you’ll need to contact the merchant directly and provide them with your new card details.

If you have set up Card Autopay on your current account, the Card Autopay details will be automatically transferred across to your Altitude Black card account.

Yes. Your statements will be issued as Altitude Black when you activate your replacement cards. Your new statements will be issued with a new account number and your BPAY payment details will change.

Yes. Your statement cycle won’t change, and you’ll continue to receive statements as normal each month. You’ll also continue to receive up to 45 days interest free on purchases when you pay the full closing balance, including any balance transfer amount by the statement due date.

Once you activate your replacements cards, securely destroy your old Earth Platinum Plus cards.

If you choose not to upgrade to Altitude Black, you can continue to use your Earth Platinum Plus cards as usual.

Bank-issued American Express cards fall under the new Reserve Bank of Australia regulations. In response, we have reviewed our reward cards and will no longer offer American Express cards issued by Westpac.

Yes. You can request a Westpac-issued American Express card until 1 February 2018. However, that card will close on 4 April 2018.

No. These changes will not impact your points balance.

The information set out in the letter may not reflect recent changes you have made. If you’ve switched rewards program or changed credit cards recently please visit to see the changes relevant to your new card.

Things you should know

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.  

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.