Get more points on select partners
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:
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This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.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.
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 Platinum and Altitude Black Balance Transfer Promotion: This offer is available when you apply and are approved for a new Altitude Platinum or Altitude Black credit card between 19th October 2021 and 30th June 2022, 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 or Altitude Black 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 unless the amount is paid off earlier. 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.
^Bonus Altitude Points Promotion Altitude Black: To qualify for the bonus point promotion you must apply and be approved for a new Altitude Black card with Altitude Rewards between 24th March 2022 and 30th June 2022, and spend $6,000 or more on eligible purchases within 120 days of card approval in one or more transactions. 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. The bonus Altitude 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.
*Reduced First year Card Fee for Altitude Platinum: The discounted first year card fee of $49 is available when you apply and are approved for a new Altitude Platinum card between 19th October 2021 and 30th June 2022. After the first year, the $150 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. A $50 annual rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.
##Reduced First year Card Fee for Altitude Rewards Black: The discounted first year card fee of $99 is available when you apply and are approved for a new Altitude Rewards Black credit card between 24th March 2022 and 30th June 2022. After the first year, the $250 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.
**Existing Customers Only - Reduced First year Card Fee for Altitude Rewards Black: The discounted first year card fee of $49 is available for existing Westpac customers when you apply and are approved for a new Altitude Rewards Black credit card between 24th March 2022 and 30th June 2022. After the first year, the $250 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account.
>Altitude Rewards Platinum Bonus Points Promotion: To qualify for the bonus points you must apply and be approved for a new Altitude Rewards Platinum card between 24th February 2021 and 30th June 2022 and spend the minimum amount of $3,000 on eligible purchases on an Altitude Rewards Platinum card within 90 days from card approval in one or more transactions. 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. The bonus Altitude 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.
†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.
>>> First-Year Card Fee Waiver - Existing customers only: is available when you apply and are approved for a new Altitude Platinum credit card between 19th October 2021 and 30th June 2022. After the first year, the $150 card fee will be debited to your account annually on the 12-month anniversary of the first transaction on your card account. A $50 rewards fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs.
<<< 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 7th March 2022 and is subject to change without notification. All redemption of Altitude Rewards points are subject to availability and the Altitude Terms and Conditions (PDF 98KB).
6. Rewards Points: The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the Altitude Terms and Conditions (PDF 98KB). Purchases that are not eligible to earn Rewards Points are set out in the Altitude Terms and Conditions (PDF 98KB). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. 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 on purchases when you pay the Closing Balance (or the Monthly Payment Balance with a balance transfer) in full by the payment due date.
3. Complimentary lounge passes disclaimers: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 304KB) 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.
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