Skip to main content Skip to main navigation
Skip to access and inclusion page Skip to search input
IMPORTANT NOTICE: From 20 June 2024, some of our credit card rates will increase, find out more.

Welcome to Altitude Rewards

Westpac’s own credit card rewards program lets you earn Altitude Reward points on purchases to redeem for
gift cards, cash back, with partner airlines or at our online store.

Not only do you get the choice on how to use your points, you’ll earn even more of them
when you shop with our select partners.

Whether Platinum or Black, there’s plenty more to love beyond points and rewards. Scroll down to take a look.


Explore our Altitude Rewards cards:

Our partners include


Altitude Points earn rate on eligible purchases

Get 3 Altitude Points per $1 spent

On flights purchased in Australia directly with Qantas and Jetstar. Applies to the first $10K spent on flights/calendar month, then 1 point per $1 spent afterwards<<.

 

Get 2 Altitude Points per $1 spent

On Uber, Uber Eats, Spotify Premium, Airbnb and on Overseas Spend (including overseas purchases made from Australia)<<<.

 

Get 1 Altitude Point per $1 spent

On all other eligible purchases6.

 


Redeem your Altitude Points for

Gift cards 

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

Cashback

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

Something else

From cinema tickets to spa treatments, and everything in-between.

Frequent flyer program points 

Including oneworld, KrisFlyer, Velocity and Asia Miles.

Get up to 120,000 bonus Altitude Rewards Points

Already with Westpac? Sign in and apply to get your first year card fee waived

Get up to 120,000 bonus Altitude Rewards Points> — 90,000 Rewards Points in year 1 if you spend $3k+ on eligible purchases within 90 days of new card approval and an extra 30,000 points after your first eligible purchase in year 2.

Plus, a reduced first year card fee of $49 (reverts to $175 thereafter). Already with Westpac? Sign in and apply and we’ll waive your first year card fee>>>.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

The important numbers

 

    

Annual card fee: $175

Variable purchase rate: 19.99% 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


New cards only. These are standard rates and fees.

More than rewards points

Complimentary Insurance4

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 3 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

Additional cardholder1

There's no cost for a card for an additional cardholder aged 16 or older, and you'll earn points even faster


Standard rates and fees

New cards only
 

Follow these tips to minimise credit card fees and charges.

Annual card fee

$175

Annual Rewards Program fee Altitude Rewards: $0

Foreign transaction fee

3%

Payable as a percentage of the Australian dollar value of any foreign transaction.

Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee

3% of the value of the transaction will apply to each cash advance made on your card account.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Before you apply

Follow this section to improve the likelihood your application is approved. 

  • You’re aged 18 or over
  • You have permanent residency in Australia/NZ OR;
  • You’re a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
  • You have a regular, verifiable Australian taxable income
  • You have a fixed, verifiable residential address in Australia.

Frequently asked questions
 

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, 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, based on the answers you give AGA, by applying online at: checkyourcover.com.au/westpac. If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.4

   

Our partners include


Altitude Points earn rate on eligible purchases

Get 6 Altitude Points per $1 spent 

On flights purchased in Australia directly with Qantas, Jetstar, Singapore Airlines and Emirates. Applies to the first $10K spent on flights/calendar month, then 1.25 points per $1 spent afterwards<<.

 

Get 2 Altitude Points per $1 spent

On Uber, Uber Eats, David Jones, Myer, THE ICONIC, Spotify Premium and Airbnb<<<

 

Get 1.25 Altitude Points per $1 spent

On all other eligible purchases6.


Redeem your Altitude Points for

Gift cards 

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

Cashback

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

Something else

From cinema tickets to spa treatments, and everything in-between.

Frequent flyer program points 

Including oneworld, KrisFlyer, Velocity and Asia Miles.

Get up to 150,000 bonus Altitude Rewards Points

Already with Westpac? Sign in to apply for a $99 card fee for the first year**

Get up to 150,000 bonus Altitude Rewards Points^ — 100,000 Rewards Points in year 1 if you spend $6k+ on eligible purchases within 120 days of new card approval and an extra 50,000 points after your first eligible purchase in year 2.

You can redeem 150,000 Altitude Rewards Points for up to $700 in eGift cards at a range of retailers or choose merchandise from our online store5.

Plus, a reduced first year card fee of $150## (reverts to $295 thereafter).

Already with Westpac?
Sign in to apply for a $99** card fee for the first year (reverts to $295 thereafter).

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 12 months. T&Cs apply.

The important numbers

 

Altitude Black World Mastercard®

    

Annual card fee: $295

Variable purchase rate: 19.99% 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


New cards only. These are standard rates and fees.

More than rewards points

Complimentary Insurance4

Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months’ complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

Personal Concierge Service

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more. 
Find out more

Extra Airport Lounge benefits

Including two complimentary Priority Pass airport lounge passes each year, one of which you can share with your travel companion3. See FAQs on how to redeem.


Standard rates and fees

New cards only
 

Follow these tips to minimise credit card fees and charges.

Annual card fee

$295

Annual Rewards Program fee Altitude Rewards: $0

Foreign transaction fee

3%

Payable as a percentage of the Australian dollar value of any foreign transaction.

Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution.

Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. More about this fee.

Cash advance fee

3% of the value of the transaction will apply to each cash advance made on your card account.

These charges will appear on your credit card statement directly below the relevant cash advance.

Missed payment fee $15 each statement cycle that the minimum monthly payment is not paid by the statement due date.

Before you apply

Follow this section to improve the likelihood your application is approved. 

  • You’re aged 18 or over
  • You have permanent residency in Australia/NZ OR;
  • You’re a non-resident or migrant and hold an acceptable Visa, with a minimum 1 year before expiry
  • You have a regular, verifiable Australian taxable income
  • You have a fixed, verifiable residential address in Australia.

Frequently asked questions
 

Priority Pass Lounge 

If you choose Altitude Rewards you can register your Altitude Black Mastercard to receive 2 complimentary lounge visits per year to use at more than 1000 VIP airport lounges worldwide.

Register your card at prioritypass.com/westpacblack

    

Things you should know

Credit criteria, fees and charges apply. Credit Card Product 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.

1 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 Rewards Platinum Bonus Points Promotion: To be eligible for up to 120,000 bonus Altitude Reward Points, you must apply and be approved for a new Altitude Rewards Platinum card between 2nd November 2023 and 31st July 2024. You will receive an initial 90,000 bonus points if you spend $3k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 30,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 90 days of card approval, you forfeit the initial 90,000 bonus points only. However, you are still eligible for the additional 30,000 bonus points in the second year if you continue to use your card. 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, 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.

^Bonus Altitude Points Promotion Altitude Black: To be eligible for up to 150,000 bonus Altitude Points, you must apply and be approved for a new Altitude Black Rewards credit card with Altitude Rewards between 2nd November 2023 and 31st July 2024. You will receive an initial 100,000 bonus points if you spend $6k or more on eligible purchases within 120 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. You will receive an additional 50,000 bonus points if you keep your account open for more than 12 months and continue to use the card. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your card account being active. If you do not meet the minimum spend criteria within 120 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for the additional 50,000 bonus points in the second year if you continue to use your card. 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, 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. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer.

≈Reduced First year Card Fee for Altitude Rewards Platinum: The discounted first year card fee of $49 is available when you apply and are approved for a new Altitude Rewards Platinum card between 2nd November 2023 and 31st July 2024. After the first year, the card fee reverts to $175 thereafter, and will be debited to your card account on the 12-month anniversary of the Card Fee date and annually thereafter. 

>>> Existing customers only - Altitude Rewards Platinum First Year Card Fee Waiver: is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Platinum credit card between 2nd November 2023 and 31st July 2024. After the first year, the card fee reverts to $175 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.

##Reduced First year Card Fee for Altitude Rewards Black: The discounted first year card fee of $150 is available when you apply and are approved for a new Altitude Rewards Black credit card between 2nd November 2023 and 31st July 2024. After the first year, the card fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.

**Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black: The discounted first year card fee of $99 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card between 2nd November 2023 and 31st July 2024. After the first year, the card fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date.

†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 - 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 Westpac Altitude Qantas.

5. Converting Altitude Points: You can redeem the points earned on your Altitude Black Altitude Rewards credit card for cash back or gift cards via the Altitude Rewards website. The estimated cashback and gift card value in above examples are based on current redemption rates as at 2nd November 2023 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Terms and Conditions (PDF 141KB).

6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 141KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 141KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for PartPay (PDF 96KB) Purchases are based on the full value of the purchase, and not on each instalment amount.​ Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

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.

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

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.

2. Interest free period is available when you pay the Closing Balance (or the Monthly Payment Balance if you have a Balance Transfer, a SmartPlan or a PartPay Card) in full by the payment due date.

3. Complimentary lounge passes disclaimers:
Priority Pass Membership: Available to Westpac Altitude Black primary cardholders earning Altitude Points through the Altitude Rewards program. 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.

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 898KB) 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.

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.