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Get more points

Love rewards points? Then you’ll love our Altitude Black card with Altitude Rewards. It now earns you more Altitude points when you shop with our selected partners. Best thing is, you might already shop with them.

Our partners include

As Westpac’s own rewards program, Altitude Rewards gives you the opportunity to use your points in hundreds of ways, including:


Redeem for gift cards

Mastercard, Bunnings, JB Hi-Fi or any other of our 24 partner retailers.


Redeem for cashback
Help repay your card balance by turning points into credit on your card.


Redeem at the Altitude store
From cinema tickets to spa treatments, and everything in-between.


Redeem for frequent flyer program points

Including oneworld, KrisFlyer, Velocity, Malaysia and Asia Miles.

Earn 150,000 bonus Altitude Points^

Earn 150,000 bonus Altitude points when you spend $4,000 or more on eligible purchases on a new Altitude Black credit card within 90 days of new card approval.^

Offer excludes customers who hold/held any Westpac Rewards credit card in the last 12 months. New cards only. Offer ends 5th August 2020. T&Cs apply.

The important numbers



Annual card fee: $250

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45

Minimum credit limit: $15,000

Minimum income required: $75,000 p.a.

Why choose the Altitude Black credit card with Altitude Rewards?

Extra Airport Lounge benefits

Including two complimentary Priority Pass airport lounge passes each year, one of which you can now share with your travel companion.3 See FAQs on how to redeem.

Complimentary insurance covers4

Complimentary cover for overseas travel, extended warranty, purchase security transit accidents, subject to the terms and conditions set out in the Westpac Credit Cards Complimentary Insurance Policy

24/7 personal concierge services

Dedicated Westpac Concierge services are on-call 24/7 to fulfil your requests, from restaurant bookings and party planning, to tickets to your favourite game. 
Call concierge

Some of your favourite brands are now more rewarding

Earn more points at the places you use your card every day and when you travel. It won’t be long before you’re turning everyday activities into your next unforgettable holiday.<

Prefer to go Platinum?

Another way to more Altitude points and complimentary insurances is with our Altitude Platinum card with Altitude Rewards.

Key numbers:

  • Annual card fee: $150
  • Minimum credit limit: $6,000
  • Minimum income required: $30,000 p.a.
Altitude Platinum Mastercard®

With Altitude Rewards.


Frequently asked questions

A full rundown of partners that you can earn points with as well as use them is available at

It’s our way of helping you earn extra Altitude Rewards points when you shop with select airlines and retail partners with your Westpac Altitude Rewards Platinum or Black Mastercard.

Our aim is to offer more points from merchants that are most relevant to our cardholders – including you. With that in mind, it is possible we’ll update them from time-to-time.

There are no limits or caps on the total number of points you can earn each month.

Having said that, there is a limit of $10,000 that you can spend each calendar month to get more points with our airline partners. 

Platinum airline partners include Qantas, Jetstar and Virgin Australia. If you do go past the $10,000 monthly limit for more points, you’ll still earn 1 point for each additional $1 spent on flights till the end of that month.

Black airline partners include Qantas, Jetstar, Virgin Australia, Singapore Airlines and Emirates. If you do go past the $10,000 monthly limit for more points, you’ll still earn 1.25 points for each additional $1 spent on flights till the end of that month.

Spotify Premium (monthly Spotify subscriptions) purchases made at Spotify’s Australian website, are eligible for more points. Ticket purchases or merchandise purchased through Spotify are not eligible for more points.


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.

^Bonus Altitude Points Promotion Altitude Black: To qualify for this promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 1st April 2020 and 5th August 2020, and spend $4,000 or more on eligible purchases within 90 days of card approval. Bonus 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.

†Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, payments to the Australian Tax Office, government charges, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.


< Rewards points: How you earn and redeem Altitude Points is subject to the Altitude Terms and Conditions. Excludes Westpac Altitude Qantas.

<< 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 Altitude cards. Participating airlines are subject to change.

<<< 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 Altitude Qantas, Altitude Velocity and Visa Altitude cards.

Rewards Points: The earning and redemption of Altitude Points is 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. For example: payments to the Australian Taxation Office, cash advances, BPAY and BPAY equivalent transactions do not earn Reward Points. You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances.

Altitude Rewards: You must be a member of the relevant frequent flyer program to redeem Altitude Points for frequent flyer points. The Altitude Rewards 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. For more information on the Altitude Rewards program, visit

Concierge Services: Concierge Services are subject to the Westpac Rewards Credit Cards Concierge Service Terms and Conditions (PDF 1MB).

Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. Requires enrolment through 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 Westpac 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 for enquiries about the Priority Pass program. Subject to the Priority Pass Conditions Of Use.

4. Complimentary insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 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 Westpac cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Westpac Credit Cards Complimentary Insurance Policy (PDF 297KB) which may be amended from time to time. Westpac does not guarantee this insurance.

Westpac is the credit provider and credit licensee under National Consumer Credit Laws.

Registered to BPAY Pty Ltd ABN 69 079 137 518

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