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Get more points

Love rewards points? Then you’ll love our Altitude Platinum 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.

Special Offer: Balance Transfer and rewards points - all in one card

Add in Altitude Platinum benefits and you'll only need a single credit card.

Earn 80,000 bonus Altitude Points

When you spend $3,000 on eligible purchases in the first 90 days. Eligibility criteria applies>.

0% p.a. for 18 months

On balance transfers requested at card application. 1% balance transfer fee applies. After 18 months the rate reverts to the variable cash advance rate>>.

$99 reduced first year annual card fee

$150 thereafter++.

The important numbers



Ongoing annual card fee: $150

Variable purchase rate: 20.49% p.a.

Variable cash advance rate: 21.49% p.a.

Interest free days on purchases: Up to 45 days2

Minimum credit limit: $6,000

Minimum income required: $30,000

Why choose the Altitude Platinum credit card?

Complimentary insurance covers 4

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.

Altitude Rewards

Westpac's rewards program lets you earn more points on some of your favourite everyday and travel brands, with a wealth of ways to use those points.

Apple Pay is here

Apple Pay offers a fast and secure way to pay in-store and online, using your favourite Apple device.

Find out more

Want even more?

For our top-tier of Altitude points earn and rewards benefits, there’s our Altitude Black card with Altitude Rewards.

Key numbers:

  • Annual card fee: $250
  • Minimum credit limit: $15,000
  • Minimum income required: $75,000 p.a.
Altitude Black Mastercard®

With Altitude Rewards.


Frequently asked questions

Westpac will not cancel your other Card Account(s). If your aim is to pay down your balances and reduce the number of credit cards you hold, it may be helpful to cancel your old card account(s) once the balance transfer is complete so you don’t use them and accrue more debt. You can cancel a credit card online or over the phone (although you are still liable to pay off any balance).

The points earn rates shown here apply to the Altitude Mastercard® Rewards program earning Altitude Rewards. Other programs have their own points earn rates.

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

Altitude Terms and Conditions (PDF 2MB)

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.

Additional cardholder: An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude Points remain the benefit of the primary cardholder.

>>Altitude Platinum Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum credit card between 6th August 2020 and 11th November 2020, 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 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. 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 Annual Card Fee: The discounted first year annual card fee of $99 is available when you apply and are approved for a new Altitude Platinum card between 6th August 2020 and 11th November 2020. After the first year, the $150 annual 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. 

>Bonus Altitude or Qantas Points Promotion Altitude Platinum: To qualify for this promotion you must apply and be approved for a new Altitude Platinum card between 6th August 2020 and 11th November 2020 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Platinum card within 90 days from card approval in one or more transactions. The bonus Altitude 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. Qantas Points earned during a statement cycle are added to your Qantas 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, 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.

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

2. Interest free period is available on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.

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.